Anyone want to join me? Awaiting Mortgage decision...

Sncjw

8 days to go for our valuation. Seems like ages away s 

Chrisabian

Chrisabian said:

That's ridiculous. I'd be whacking a complaint straight in, there's no excuse for mistakes like that over something so important!
Well I received the mortgage lender's surveyor report today in the post; looks like the valuation has come back ok! Just waiting on the offer now. I understand from previous posts that my lender (Clydesdale) can be quite slow which is frustrating; I just want to knowww!! I assume that as it's got to this stage things are looking good though? Tick tock.

Mortgage offer issued on Friday, over the moon!!

December1

Got my offer today!!! Can anyone advise on what happens next? Do i physically need to accept the offer or do i leave it to my solicitors...?

19alreadyforgot

December1 said:

Got my offer today!!! Can anyone advise on what happens next? Do i physically need to accept the offer or do i leave it to my solicitors...?

I think it gets sent to solicitors by mortal company. But I would ring and ask solicitors and Mortgage broker to be double sure. 

Congratulations by the way ! 

JustJane101

After being a long term lerker...I am happy to say I can now join this thread!

My mortgage application to Kensington Mortgages has gone in via my broker today!! I am extreamly anxious. My credit is less than perfect, and I move a lot for work. I never thought I would even get to this stage, I had lost all hope of owning my own house. Does anyone have any recent experiences with this lender? I've got my P60 and everything ready incase they ask. But I'm not sure how long I realistically could be waiting. There is no chain eitherway as I am a FTB.

JustJane101

My timeline so far, BTW:

27.02.20 - Perfect house gets put on the market.

29.02.20 - Viewing

03.03.30 - AIP recieved

03.03.20 - Offer placed and accepted

05.03.20 - Mortgage application put in by broker. Hard credit search completed.

i've been informed my application is now on the underwriters desk. Each stage I keep thinking I'm going to be knocked back, but my brokers are confident that everything should be fine! I'm THE biggest stressor on the planet. I really don't know how my boyfriend is putting up with me right now!!

Safe'n'Sound

Joint FTB application using HTB on a new build. All paperwork given to MB along with several chats and he came back with a thorough illustration, to which we're happy with. It's with Virgin Money.
AIP applied for yesterday and came back as 'referred to Underwriter' that same afternoon. So now we wait to see what comes back from the Underwriter in the next 24 - 48hrs or so. The stress starts early with our journey!

19alreadyforgot

JustJane101 said:

My timeline so far, BTW:

27.02.20 - Perfect house gets put on the market.

29.02.20 - Viewing

03.03.30 - AIP recieved

03.03.20 - Offer placed and accepted

05.03.20 - Mortgage application put in by broker. Hard credit search completed.

i've been informed my application is now on the underwriters desk. Each stage I keep thinking I'm going to be knocked back, but my brokers are confident that everything should be fine! I'm THE biggest stressor on the planet. I really don't know how my boyfriend is putting up with me right now!!

Normal to feel that . I was absolutely convinced they would reject me. I got my offer yesterday. But I still think, even with that that  something will go wrong 😂

lolypops24_2

Our mortgage aplication went to Kensington last Monday through broker. We have supplied usual documents such as bank statements, proof of depposit, id’s. Few days later they have asked for my p60 and few questions regarding our adult doughter as she is still on electoral roll. Valuation had been carried out on Tuesday just gone- now waiting for the offer.we were told by our broker offer to come through Friday or Monday. Stressful times!

December1

Is anyone else waiting for the HTB application to be processed and sent to the solicitors? I got my mortgage offer this week! However the solicitors are waiting for an ‘ATP’ from HTB - apparently there is a huge delay in the HTB applications?!