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

laurakt_2

Okydoky25 wrote: »

Has your valuation been done yet?

No. We are still waiting to hear when that is going to be.
Really do hope the process is quicker for you. Wouldn't want anyone else waiting this long without hearing anything.

MentalMinnie

I'll join too! First time buyer:
12/02 viewed House
13/02 Met with MA
14/02 Offer in principal
14/02 Offer made and accepted
14/02 Instructed Solicitor
18/02 Met with MA again, gave P60 and pay slips etc and completed full application paper work
19/02 Recieved paperwork from solicitors
19/02 Full application for mortgage submitted

And so we wait!

Newstart2014

Newstart2014 wrote: »

Update:-


Well still awaiting whether lender will remove the T&C of my removal from previous mortgage. But ex husband knows the urgency (court case scheduled), and awaiting his offer for re-mortgage.
Sooooooo.......today we have finally exchanged with completion in 3 weeks. So happy. The sleepless nights hopefully will ease a little along with sleeps where I've been feeling held down (seriously) and having to fight myself free.


This buying process ain't much fun at all is it.

My ex husband has now got an offer but has advised me that it's unlikely he'll now complete on his offer in time for my completion The reason that there will be a delay is that the current offer with Halifax will cost him an extra £10k a year. He is now awaiting a valuation form another lender for an offer. He has said that it best we push back the completion date. He’s even had the nerve to suggest that we either give the vendor the deposit, get a bridging loan or push back the date.

I have advised him of the legal ramification from our side, but also from his as there is a date set with Family court on the 12th March.

He has a solicitor, but has said there is nothing for him to do until the new offer comes through, but I have again asked that his solicitor call my solicitor, for clarification on our situation. And there is so much he could be getting on with.

Due to the pressures my mother has asked if being a guarantor would help any. She has two properties in London which are both basically mortgage free (approx. 5 years left) and also property in Florida.

I just don't know now what to do. Do I look at Bridging loans, which are very expensive. Broker looking at any possibilities but I need to make sure my offer is not in jeopardy in any way

climbingoutoftheabyss

Just heard back from my MA that our offer from Halifax will be in tonight's post.

Obviously pleased with that, but as the term was reduced by a year (due to my age) and Halifax increased the interest rate it's more expensive than we originally budgeted.

KatieRose2021

Yay.


Mortgage offer with the solicitor today.. all searches are back and ok. Our survey came back too with no problems.


They are apparently just waiting on an enquiry they sent to the senders solicitors then we can go ahead :jand talk about dates...


The seller is not buying anything, so when do you reckon we can exchange and complete? As apparently this can happen on the same day!

AimeeB88

AimeeB88 wrote: »

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!!

20/02 - Full mortgage application completed and solicitors instructed:T

robdevil

robdevil wrote: »

Help To Buy and First time Buyers 95%LTV

18/01/14 Got AIP from Halifax
21/01/14 Found House
24/01/14 House Viewing
25/01/14 First offer rejected, next offer sent
27/01/14 Decided to go with asking price and accepted(love house so much)
28/01/14 EA visited and Solicitors Instructed
01/02/14 Full Application submitted and Valuation booked(Halifax)

11/02/14 Valuation OK
20/02/14 Mortgage offer received

JennGa

Broker had an email to say there had been an update to our case.......but it just said our application was still waiting to be assessed. Gah!

mrsjjw1977

Can I join in?! We've had a pretty rough road so far due to an incorrect default being placed on my credit file by Lowell Portfolio! Now that has been removed, we are finally awaiting a yes from our lender!!
Due to the problems with my credit file, we have been forced to go with a sub-prime lender in order to go ahead with the purchase - I have expected them to ask for blood or a kidney (they have asked for everything else!).
I last bought a house in 2002 and the mortgage world has changed so much since then - I was offered 110% back then! Ah well......
We have been told we will hear today.... I have cramp in my fingers and toes from keeping them crossed for weeks.
We are due to move in <2 weeks!!

tommmy

MentalMinnie wrote: »

I'll join too! First time buyer:
12/02 viewed House
13/02 Met with MA
14/02 Offer in principal
14/02 Offer made and accepted
14/02 Instructed Solicitor
18/02 Met with MA again, gave P60 and pay slips etc and completed full application paper work
19/02 Recieved paperwork from solicitors
19/02 Full application for mortgage submitted

And so we wait!

Wow! That is almost identical to ours. Do you mind me asking which bank are you going with?