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

JennGa

Stumbelina wrote: »

Update:

4th Feb Chased RBS on result of valuation, informed that they were awaiting a CML Certificate from Vendor before valuation could be confirmed.
10th Feb Agent confirmed outstanding document sent.
13th Feb Call from RBS confirming valuation at asking price and checking details to go to offer
17th Feb Offer received in the post as well as contract documents from solicitor! ::j

Hopefully things can move quickly now as I'm moving out of my rented place next Thurs!

Congrats! Hope it goes speedy for you :j

We have already got the contract documents so hoping once we have the offer through we can go speedy!

LucyGoose

sdl1503 wrote: »

Abbey/Santander have a backlog of applications Our full application has been with them since last Tuesday. I've never been so nervous buying a house!

This isn't helping my nerves either

marginex

Grrrr ok so my broker just called, 3rd error on my valuation report, the surveryor put a note saying the developer will own 20% of the freehold, but this isnt the case as buying on the HTB Equity Loan so we get 100% of the freehold, this means amended report needing to go in which takes 48 hours to process so wont hear by Friday!

Taking positive that Virgin are saying this is all they are awaiting on now, been nearly 3 weeks since we completed full application, im hoping once they have this they will send out the offer!

gazfocus

gazfocus wrote: »

Another update...

05/01/2014 - Saw house on Rightmove and fell in love.
11/01/2014 - Viewed house and loved it even more (only needed the one viewing really).
11/01/2014 - First offer made on house.
15/01/2014 - First offer rejected.
15/01/2014 - Second offer accepted.
15/01/2014 - Got AIP from Natwest for £7k more than needed.
16/01/2014 - Instructed Solicitors.
21/01/2014 - Received Memorandum of Sale from EA.
21/01/2014 - Full Mortgage Application Submitted via IFA.
21/01/2014 - Valuation Fee Paid.
21/01/2014 - Valuation booked for Friday 24th January.
27/01/2014 - Valuation came back ok
27/01/2014 - Halifax have requested 3 payslips for me. MA to submit.
28/01/2014 - MORTGAGE OFFER ISSUED (trying not to hurt myself as I bounce off the walls lol). Cannot believe it's only taken a week.
29/01/2014 - Mortgage Offer received in the post (solicitor also received Mortgage Offer today).
03/02/2014 - Have to go back to Halifax to have requirement for current mortgage to be repaid taken off the offer as we're renting out our current house on completion.
05/02/2014 - Ammended mortgage offer issued by Halifax.
05/02/2014 - Current house advertised to let on Facebook.
06/02/2014 - Email from solicitor confirming receipt of satisfactory replies from sellers to her queries and confirmed just waiting for searches to come back.
09/02/2014 - Secured a tenant for our current house.
11/02/2014 - Ammended mortgage offer received from MA.
11/02/2014 - Solicitor received searches back - Environmental search has failed due to possible contamination. Needs to be approved by Halifax before we can continue.

Another Update....
14/02/2014 - Solicitor suggested completion date of 28th February 2014.
18/02/2014 - Mortgage deed signed and returned to solicitor.
18/02/2014 - Contract signed and returned to solicitor.

Getting very excited now as completion is only a couple of weeks away...lots to do still though.

UnorganisedGirl

My MA just called. My loan offer is in the post !!! Hurrah.

I made the full application to The halifax on feb 6th.

climbingoutoftheabyss

My MA just called. My loan offer is in the post !!! Hurrah.

I made the full application to The halifax on feb 6th.

Well done you :j

We submitted ours to Halifax the same day as you, but we've been asked today to re-supply some paperwork. I've been told that we won't hear anything until Thursday at the least. That's a full 2 weeks after our application went in.

marginex

UnorganisedGirl wrote: »

My MA just called. My loan offer is in the post !!! Hurrah.

I made the full application to The halifax on feb 6th.

I wont lie, mega jealous as we put our full app in on the 30th Jan! Still waiting to get the offer ha!

But really, im really happy for you unorganisedgirl, congrats! :T

UnorganisedGirl

Thanks everyone! I think some bubbles are in order tonight. Hope you all hear very very soon. I feel your pain - it's no fun at all.

Gem261

Hi all, heres what's happened so far :

5/2/14-DIP from nationwide
13/2/14- first offer rejected
14/2/14-second offer accepted+ solicitor appointed
17/2/15- full application made

We are young first time buyers, and all our families live in council/private rent so we are pretty clueless can anyone advise us on what happens next ??

Thanks

AimeeB88

Hi all,

Here's my story so far!!

08/02 - Saw house on Rightmove so booked viewing
12/02 - Viewed house, loved it!
13/02 - Saw MA, got an AIP approved, viewed house again, put in offer, rejected, put in second offer, rejected, put in third offer
14/02 - Third offer accepted House taken off the market. Appointment booked for 20/02 to see MA and select mortgage
15/02 - Took parents and inlaws to view the house

So exciting and all happening so fast!!