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Anyone want to join me? Awaiting Mortgage decision...
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Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)1 -
I have been worrying about this all night but... just got my mortgage offer this morning at 9AM!! is this unheard of, less than 24 hours from application?!?!JustJane101 said:
Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)First Time Buyer (Scotland)
DIP 13/02/2020 ~ Offer Accepted 02/03/2020 ~ Full Application 19/3/2020 ~ Valuation Booked 19/03/2020 ~ Mortgage Offer Issued 20/03/2020 ~ Completed 15/05/20200 -
Wow! Go celebrate!!! That is phenomenal. I've been two weeks and a day so far, but mine has been complicated. Who is your lender?amieloustew said:
I have been worrying about this all night but... just got my mortgage offer this morning at 9AM!! is this unheard of, less than 24 hours from application?!?!JustJane101 said:
Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)1 -
Thank you, I'm gobsmacked!! I was expecting a fight or at least a wait considering the current climate! Nationwide
Wow! Go celebrate!!! That is phenomenal. I've been two weeks and a day so far, but mine has been complicated. Who is your lender?amieloustew said:
I have been worrying about this all night but... just got my mortgage offer this morning at 9AM!! is this unheard of, less than 24 hours from application?!?!JustJane101 said:
Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)
First Time Buyer (Scotland)
DIP 13/02/2020 ~ Offer Accepted 02/03/2020 ~ Full Application 19/3/2020 ~ Valuation Booked 19/03/2020 ~ Mortgage Offer Issued 20/03/2020 ~ Completed 15/05/20201 -
Wow, that's amazing! Congratulations on your offer, certainly the fastest turnaround I've heard of and I have been obsessively searching this and other forums for people's timelines/experiences etc! You must be THRILLED!amieloustew said:
I have been worrying about this all night but... just got my mortgage offer this morning at 9AM!! is this unheard of, less than 24 hours from application?!?!JustJane101 said:
Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)
/jealousnotjealous!Credit cards: £9,705.31 | Loans: £4,419.39 | Student Loan (Plan 1): £11,301.00 | Total: £25,425.70Debt-free target: 21-Feb-2027
Debt-free diary0 -
My valuation been done yesterday (thursday) and today my ma said house valuation been same price as my offer so now my application with underwriter i dont know whats means and how long takes does usually halifax do underwriter check which we been told we are A pass Credit ?0
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Continuing:jumperabv3 said:Remortgaging an owned property for a 2nd BTL (hopefully):
11/02 - Application submitted
14/02 - Application approved subject to valuation
18/02 - Valuation took place
18/02 - Remortgage offer approved
Waiting for Enact now to send welcome pack via email.
Has anyone dealt with Enact before? I see 80% positive reviews, 20% bad ones on TrustPilot.
Mortgage broker said welcome pack will be sent via email within 7 days of approval (by 25/02 or hopefully before then).
If you used Enact do you remember how many days did it take you to actually receive the welcome pack?
26/02 - They sent a letter in the post detailing what docs they want me to provide, letter arrived a few days later
02/03 - I sent all the docs to them in a special devliery, it arrived next day
20/03 (Today) - Completed, funds received
Lender: BM Solutions
(Free) Conveyancer: Enact
Dealing with Enact was offline, I did not get any user/password since I was remortgaging an unencumbered property.
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thanks so much, it's all going (possibly too) well at the moment, hoping the rest of the process is as seamlessannetheman said:
Wow, that's amazing! Congratulations on your offer, certainly the fastest turnaround I've heard of and I have been obsessively searching this and other forums for people's timelines/experiences etc! You must be THRILLED!amieloustew said:
I have been worrying about this all night but... just got my mortgage offer this morning at 9AM!! is this unheard of, less than 24 hours from application?!?!JustJane101 said:
Hi Amie! Welcome!amieloustew said: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!!
FYI my mortgage company still did a valuation even the home report was less than 3 weeks old (Scotland)
/jealousnotjealous!
I hope you keep the crown as it's a bit on an achievement but I hope everyone else's applications are speedy and painless!First Time Buyer (Scotland)
DIP 13/02/2020 ~ Offer Accepted 02/03/2020 ~ Full Application 19/3/2020 ~ Valuation Booked 19/03/2020 ~ Mortgage Offer Issued 20/03/2020 ~ Completed 15/05/20200 -
Going crazy here feeling like everything is taking forever.
My timeline (FTB - Scotland)
Offer made on home - 10/02/20
Offer accepted - 11/02/20
Applied for Scottish first home fund - 13/02/20
Additional info request by Scottish first home fund - 19/02/20
Approved for funding - 21/02/20 (3 months to conclude missives from this date)
Mortgage application made through broker to Nationwide - 24/02/20
Valuation booked and complete - 13/03/20 (Turns out the only surveyor in our area was on holiday hence the delay)
No other texts or news received since and I've read that people receive a text from nationwide when the valuation is recieved. We have contacted our broker who says the valuation has been completed and will be submitted in the next few days but just feel like no one is in a rush and we are starting to worry about the deadline for concluding missives as part of the first home fund!
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I finally got my ATP through from the HTB agency today! Application went in on the 25th February.mn92 said:Hi everyone,
I have been looking on this thread to understand waiting times for quite a while now. I have gone with a mortgage with Halifax and here is my timeline:
FTB’s in London using HTB
22/02 - viewed development and show home
09/03 - booked a plot by giving £500 deposit-Mortgage Advisor & Solicitor instructed
13/03 - Halifax mortgage and HTB applications submitted by our Mortgage Broker
13/03 - Halifax mortgage credit scored and approved. Within 1 hour of applying MA asked us to pay the £200 valuation fee to initiate the valuation process.
17/03 - Valuation report returned to Halifax
19/03 - We received our final mortgage offer from Halifax!!!
In total 6 days from application to offer! They are quick! I wish I could say the same for HTB. We are still waiting to hear from them and as you probably know there is a 20-working days delay currently in the process of assessing HTB applications...but I guess it's just a formality and everything will be ok with this too. Plenty of time to exchange contracts as the due date for that is 24th April. The house will be ready end of June and completion is expected for start of July (if coronavirus doesn't mess with our plans!)
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