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

Emmyflowers

sjc93 said:

MORTGAGE OFFER HAS BEEN CONFIRMED!!!
Submitted with YBS direct on the 09/03/20 after being told by 2 brokers we wouldn't have a hope in getting a mortgage anywhere (including Accord AND Aldermore)... 8 days later and a lovely offer is on our way to us in the post! I don't think I'll ever get over the feeling when she told me everything was okay!

Amazing news! So happy for you! Congratulations!

JustJane101

It's exciting and encouraging watching you all get your offers!!!

I am marking time somewhat, and have an extra 6-8 weeks to wait. According to the broker, everything on my application is fine except for the deposit, so just awaiting Forces Help to Buy now. It landed on the desk of the people who deal with it today, but right now I am unsure if they are actually at work. Might be too soon to call them tomorrow, but I may call anyway, as if I can speed this process up even slightly that will be best all around.

Mortgagehold

December1 said:

Mortgagehold said:

December1 said:

Mortgagehold said:

Hi, I just thought to help viewers I should detail my recent mortgage application with Halifax and HTB. 

1st Feb- Went to see a new build property with their kier agent really liked the house
2nd Feb- Went again to reserve the property (£500 deposit) was asked to ring their mortgage company and confirm affordability and if I can get the mortgage and HTB load etc. which I did and got accepted (AIP) and HTB calculator. Paid my deposit t reserve the property.
4th of Feb- Applied for full mortgage with Halifax. 
5th of Feb - Valuation booked for 6th of Feb
6th of Feb-  Valuer couldnt come to value the house as he double booked himself - Valuation now booked for 7th.
7th of Feb- valuation came out same price as offered. (Friday)
11th of Feb - Mortgage offer revived. (Tuesday so One day after valuation) - Still waiting of ATP (applied in the 5th of Feb) as there was a long wait due to them moving offices etc was told about this in advance. 
19th of Feb - ATP received - told my solicitor I wish to exchange and complete on the same day. 
21st of Feb - Solicitor applied for ATE and completion permission for the same day (28th of Feb)
25th of Feb - Received ATE and was told something needed amended and sent back to them to get confirmation that I can complete and money will be there for the developer.
27th of Feb - received confirmation I can complete.
28th of Feb - Got my keys the house by midday. 

So everything was really quick and relatively hassle free was told from the start it would be straight forward - Halifax did not even ask for bank statements - The mortgage was only for 60% LTV though as I had to pay a large deposit to cover for shortfall due to my affordability for the house I was buying so 20% from HTB and 20% from myself. 

Thank you for sharing your experience. I just wanted to ask how did you find out when you got your ATP from HTB? Was it directly from HTB?

my application went in on the 26th February but still haven’t heard anything yet.

You can check online on their portal and they will also send you an email as soon as they release ATP. You can also call them to check progress etc

Which online portal is this sorry? I don’t have any details as it was done by my broker so I wouldn’t know how to check? I tried to call earlier but I was on 15th in the que so I was going to call later

I hope everything is sorted by now! You could ask your mortgage broker for details

Emmyflowers

Anyone worried how this will effect things?
Our valuation came back satisfactory and we are due mortgage offer within next two days!
But my question is will anyone be able to move?
Our situation is slightly different so we did everything back to front. So we have nothing left to do other than get the solicitor to put pack together and set exchange.
Meaning move date would be in two weeks time?
I'm freaking out! Anyone got any idea or kind words to say?

Megandlg

Megandlg said:

Hi! I’m a long time lurker, but am now waiting too so feel like I can finally join fully! 

My timeline is: 

Viewed several properties, saw this one on 15th Feb. 

19th Feb- second viewing
28th Feb- offer accepted.
2nd March- AIP given (NatWest)
3rd March- full application submitted
4th March- solicitor instructed
12th March- mortgage valuation & homebuyers report to be completed

Now all I can do is to wait.... 

MORTGAGE OFFER RECEIVED!! 

Valuation was sent to NatWest on 13th, offer received today. Still can’t quite believe it, as I was so sure they’d find a reason to say no. 

Now waiting for the solicitor to complete the searches and for a copy of my homebuyers report. But we’re on the way! 😀😀😀

onthemend88

We received our mortgage offer yesterday after the valuation was done on Monday. Beyond happy and feeling very relieved. 3 weeks from app to offer with Precise (2 weeks of this was waiting for the valuation to happen because the builder was on holiday). 

Estimated completion date is currently the 30th April

JustJane101

I am back in the waiting game!!!!
Forces Help to buy have sent my the details required for mortgage application to continue. As far as I can tell, they've been happy with everything else (or at least, haven't asked any more questions). I've been told I should know if they are happy with the FHTB by Monday evening. It will be a long weekend, but if I get my mortgage offer on monday I cannot Express how much I am going to cry with happiness. I'm trying not to get my Hopes up as I am still exceptionally anxious. 

amieloustew

Finally get to join this thread!
FTB’s in Scotland
01/03 - viewed house
02/03 - offer accepted with other offers on the table 
03/03 - First Home Fund application submitted 
11/03 - FHF application approved
19/03 - mortgage application submitted and survey booked for same day

the home report for the property is up to date so hopefully have our decision by the end of next week!!

anerise

Our timeline

First time buyers, 95% mortgage
29/2- house viewing
2/3- put in first offer
4/3- final offer accepted after 2 days of back and forth
5/3- chain complete, solicitor instructed
6/3- first chat with mortgage broker
16/3- AIP with NatWest
18/3- full application submitted through broker

Apparently it’s 15 days to offer at present so fingers crossed.

Emmyflowers

Our timeline is a little different from most due to issues with our searches:
We are FTBs
14/12/19 - Offer accepted on house
05/01/20 - Solicitor starts process
20/01/20 - Searches begin
11/02/20 - AIP Pepper Money
Then the environmental search flagged up possible contamination so it's been a fair few weeks of stress.
05/03/20 - Mortgage application in.
12/03/20 - Mortgage agreed subject to valuation.
16/03/20 - Valuation carried out.
17/03/20 - Homebuyers survey carried out and told no red flags.
Valuation came back satisfactory.
18/03/20 - Mortgage offer issued.  
Now we are praying we can exchange in two weeks   
Would love completion to be around 10th April.
Fingers crossed.

Good luck everyone else.