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

Almostfree

thePhilster69 said:

@Almostfree Your application timetable is very similar to ours. Full application was made (and valuation fee paid) Wed 17th June, and Credit Karma shows 2 x Hard Credit Searches on the same day, as well as 2x Soft Credit Searches (1 for affordability) on the 18th. 

TBH, I wasn't expecting to hear back from Halifax for a few weeks (hence the nervousness) so the fact that your broker thinks you might heard back this week on progress gives me a bit of hope!

Hi! Well I hope this gives you more hope. My broker has emailed me. She has spoken to Halifax this morning and we have been approved subject to valuation! I am genuinely thrilled to have gotten this far, and very impressed at how quickly this has all happened! Don't have a valuation date yet but I'm positive there won't be any problems with this so it's all a matter of paperwork. Solicitors have been instructed and fees paid for searches, just waiting for our vendors solicitors to send the draft contract apparently. 
It'll be completion day before we know it!

Almostfree

I hope you get as speedy a decision as we have. Finger crossed for you.

yelaro

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

TinieKube99

We applied to Halifax on 15/3, first hard searches done on 17/3 and then nothing until another hard search last week. MA says nobody will speak to him from Halifax so he can't update us. Can we chase directly with Halifax?! MA messed up already with a different mortgage so worried we're not getting the full story. So long to wait for news! 

Jamaicanmelaff

yelaro said:

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

I'm so glad to see someone waiting on HSBC say this. Mine has been in since 1st May, had to wait to show submit docs 'cause increased my deposit to 20% so submitted those on the 4th June, they requested extra docs on the 8th June (self-employed so they wanted proof business is still running and not affected by Covid plus statements for any foreign or business accounts) and nothing since! I was getting so antsy cos I had the offer accepted on the property just before lockdown so I didn't want my seller to think I was messing around. Spoke to the EA this morning though and they're in no rush so now just a waiting game panicking that my application will be denied just because I'm self-employed or some other random reason even though affordability shouldn't be an issue! Fingers crossed it comes soon. Congratulations to you!

leila96

Update on our progress with Nationwide in case anyone’s waiting on them. 

DIP - 14/05/2020 - agreed over phone 
Full application - 05/06/2020
Approved subject to survey - 09/06/2020
Survey instructed - 22/06/2020
Survey date - 02/07/2020

Now waiting nervously...

SimonBck

Jamaicanmelaff said:

yelaro said:

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

I'm so glad to see someone waiting on HSBC say this. Mine has been in since 1st May, had to wait to show submit docs 'cause increased my deposit to 20% so submitted those on the 4th June, they requested extra docs on the 8th June (self-employed so they wanted proof business is still running and not affected by Covid plus statements for any foreign or business accounts) and nothing since! I was getting so antsy cos I had the offer accepted on the property just before lockdown so I didn't want my seller to think I was messing around. Spoke to the EA this morning though and they're in no rush so now just a waiting game panicking that my application will be denied just because I'm self-employed or some other random reason even though affordability shouldn't be an issue! Fingers crossed it comes soon. Congratulations to you!

What did you have to show them to say that your business is still running?  Good luck with your application.

caw379

yelaro said:

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

Woohoo!! Im so happy for you!!
We will be three weeks on Tuesday - had further searchs pop up on Saturday from HSBC which would fit with the timeline of looking at the documents we submitted 5 days previous, so I'm hoping we will hear soon! 
Good luck with the rest of your purchase @yelaro

caw379

Jamaicanmelaff said:

yelaro said:

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

I'm so glad to see someone waiting on HSBC say this. Mine has been in since 1st May, had to wait to show submit docs 'cause increased my deposit to 20% so submitted those on the 4th June, they requested extra docs on the 8th June (self-employed so they wanted proof business is still running and not affected by Covid plus statements for any foreign or business accounts) and nothing since! I was getting so antsy cos I had the offer accepted on the property just before lockdown so I didn't want my seller to think I was messing around. Spoke to the EA this morning though and they're in no rush so now just a waiting game panicking that my application will be denied just because I'm self-employed or some other random reason even though affordability shouldn't be an issue! Fingers crossed it comes soon. Congratulations to you!

I'm glad the vendors are in no rush, that helps doesn't it!! Good luck, I hope you hear something soon *fingers crossed* 

yelaro

Jamaicanmelaff said:

yelaro said:

Hellooooo!!
So, for those of you who have applications with HSBC after a long three and a half weeks we have finally got our mortgage offer. Hurrah! 

Good luck to those of you just joined the sitting and waiting game, I hope you won’t have to wait as long. 

@caw379 and @lizhd, as I know you’re with HSBC literally just over 3 and a half weeks and ours wasn’t a clear cut case. Hopefully you’ll hear back this week 😊

I'm so glad to see someone waiting on HSBC say this. Mine has been in since 1st May, had to wait to show submit docs 'cause increased my deposit to 20% so submitted those on the 4th June, they requested extra docs on the 8th June (self-employed so they wanted proof business is still running and not affected by Covid plus statements for any foreign or business accounts) and nothing since! I was getting so antsy cos I had the offer accepted on the property just before lockdown so I didn't want my seller to think I was messing around. Spoke to the EA this morning though and they're in no rush so now just a waiting game panicking that my application will be denied just because I'm self-employed or some other random reason even though affordability shouldn't be an issue! Fingers crossed it comes soon. Congratulations to you!

As long as you can show you haven’t been affected or that you have gotten back to pre covid trading they seem to be ok with that. We just had to send them most recent statements. I hope you hear back very soon 😊