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

lisamac80

I submitted my application back in February, told subject to valuation in which waited the whole month of March and then went to lockdown. Application done through broker and applied to Halifax, 
- 2 hard searches on in feb and again june
- resubmitting payslips for partner from week to week and another letter to his employers for future wages to be confirmed in June as works on construction.
valuation done last Friday and told by broker today it’s a 4 day turn around for brokers decisions.
 It’s been pretty hard getting through these last few weeks.
The banks are not providing lightly now.
Dont know we’re this would leave first time buyers. Let’s hope for hope 

fackers_2

Self employed here and applied with Halifax via Broker.

20th June - MIP
22nd June - Income documents submitted along with Mortgage APP
26th June - Underwriters rejected PDF SA302 and requested scanned copies of the printed version (no difference at all).
27th June - Submitted newly requested versions
6th July... Stilllllll waitingggggg and getting impatient! 

Beckydev

Beckydev said:

Ours is stuck on the underwriters stage at the moment with skipton, 20th June we applied. 

They asked for another month's bank statement, if our current house has sold yet (currently under offer) and to explain a loan that wasn't declared. We remortgaged a few years back but didn't realise it was classed as a loan, assumed it was added onto our mortgage so ticked the no loan box. Broker also didn't pick up on this even with the statement I sent.
Valuation was done the day after requested information so 4 days ago. 
According to the online tracker they havnt got the valuation or looked at additional information. I'm slowly losing my mind with the unknown

Update
Rang skipton this morning because broker isn't in the office. Still on file showing waiting on information which I gave my broker last Wednesday. 
Updated verbally while on the phone, hoping its enough and they don't need statements sending.
They said if the underwriters are happy with everything I should get an offer within 24hours.... Everything crossed!
Also valuation recieved a few days ago and is fine but online tracker hasn't updated anything so not going to pin my hopes on that and refresh it constantly like I have been doing. 

thePhilster69

Mortgage valuation carried out today (for Halifax), so now we're just waiting to hear from Halifax on this. We also had a Home Buyer's Survey carried out today, and have met with the surveyor at the property. Nothing quite like hearing someone list out all of the problems (most incredibly minor) with a house to take the edge off the excitement! 

Creditfixer3021

Were Skipton ok about calling them directly?

has anyone contact Santander directly (after submitting their application through a broker)

xx_mstilda_xx

Hi Everyone,
Knew I'd find some really useful info here!
It's been a rollercoaster already given the current situation, as our DIP product was pulled from the market by Halifax. Then we applied with Nationwide directly as their High LTV products weren't being offerred through brokers, who rejected our DIP (despite us meeting their affordability) and refused to give a reason, other than an "internal check" that they wouldn't elaborate on and they then pulled the product the next morning, reducing their max LTV to 85%.
We revised our offer as we found Saffron BS had just reintroduced 90% LTV but the product was pulled again within 48hrs during our negotiation wait, leaving us with an accepted offer and no product. Our Broker has now managed to submit an application to HSBC during their early morning window of opportunity.

 FTB awaiting an update with HSBC. 90% LTV.
26/06 - Joint app submitted by broker (both Employed F/T and throughout Lockdown).
28/06 - Request from our MA received and approved for permission for an Electronic Identity Check.
2 or 3/07 - Valuation booked/completed (Sellers EA called me and said it was booked for Friday, asked MA for confirmation as we'd heard nothing directly, who called HSBC for an update and said it was done Thursday and satisfactory, so no idea if actually physical or desktop 🤷‍♀️
03/07 - Latest Payslips requested and provided by MA which are now awaiting underwriting...

I'd like to think I'm a patient person but the wait really is a killer 😫 I think it's harder knowing that we don't currently have any other options at the moment if HSBC refuse us given the almost non-existence of 90% products 😭

Congratulations to those who have received offers recently and good luck all! 🤞
XxX

28tsw

xx_mstilda_xx said:

Hi Everyone,
Knew I'd find some really useful info here!
It's been a rollercoaster already given the current situation, as our DIP product was pulled from the market by Halifax. Then we applied with Nationwide directly as their High LTV products weren't being offerred through brokers, who rejected our DIP (despite us meeting their affordability) and refused to give a reason, other than an "internal check" that they wouldn't elaborate on and they then pulled the product the next morning, reducing their max LTV to 85%.
We revised our offer as we found Saffron BS had just reintroduced 90% LTV but the product was pulled again within 48hrs during our negotiation wait, leaving us with an accepted offer and no product. Our Broker has now managed to submit an application to HSBC during their early morning window of opportunity.

 FTB awaiting an update with HSBC. 90% LTV.
26/06 - Joint app submitted by broker (both Employed F/T and throughout Lockdown).
28/06 - Request from our MA received and approved for permission for an Electronic Identity Check.
2 or 3/07 - Valuation booked/completed (Sellers EA called me and said it was booked for Friday, asked MA for confirmation as we'd heard nothing directly, who called HSBC for an update and said it was done Thursday and satisfactory, so no idea if actually physical or desktop 🤷‍♀️
03/07 - Latest Payslips requested and provided by MA which are now awaiting underwriting...

I'd like to think I'm a patient person but the wait really is a killer 😫 I think it's harder knowing that we don't currently have any other options at the moment if HSBC refuse us given the almost non-existence of 90% products 😭

Congratulations to those who have received offers recently and good luck all! 🤞
XxX

How many days did your broker try before getting your application through for HSBC?

Beckydev

Creditfixer3021 said:

Were Skipton ok about calling them directly?

has anyone contact Santander directly (after submitting their application through a broker)

Yes the lady was very helpful. I got straight through, didn't have to wait on hold. she got my file up after answering security questions and gave me all the information I needed. 

Creditfixer3021

Beckydev said:

Creditfixer3021 said:

Were Skipton ok about calling them directly?

has anyone contact Santander directly (after submitting their application through a broker)

Yes the lady was very helpful. I got straight through, didn't have to wait on hold. she got my file up after answering security questions and gave me all the information I needed. 

Thanks Becky. I’m so tempted to do the same!

xx_mstilda_xx

28tsw said:

xx_mstilda_xx said:

Hi Everyone,
Knew I'd find some really useful info here!
It's been a rollercoaster already given the current situation, as our DIP product was pulled from the market by Halifax. Then we applied with Nationwide directly as their High LTV products weren't being offerred through brokers, who rejected our DIP (despite us meeting their affordability) and refused to give a reason, other than an "internal check" that they wouldn't elaborate on and they then pulled the product the next morning, reducing their max LTV to 85%.
We revised our offer as we found Saffron BS had just reintroduced 90% LTV but the product was pulled again within 48hrs during our negotiation wait, leaving us with an accepted offer and no product. Our Broker has now managed to submit an application to HSBC during their early morning window of opportunity.

 FTB awaiting an update with HSBC. 90% LTV.
26/06 - Joint app submitted by broker (both Employed F/T and throughout Lockdown).
28/06 - Request from our MA received and approved for permission for an Electronic Identity Check.
2 or 3/07 - Valuation booked/completed (Sellers EA called me and said it was booked for Friday, asked MA for confirmation as we'd heard nothing directly, who called HSBC for an update and said it was done Thursday and satisfactory, so no idea if actually physical or desktop 🤷‍♀️
03/07 - Latest Payslips requested and provided by MA which are now awaiting underwriting...

I'd like to think I'm a patient person but the wait really is a killer 😫 I think it's harder knowing that we don't currently have any other options at the moment if HSBC refuse us given the almost non-existence of 90% products 😭

Congratulations to those who have received offers recently and good luck all! 🤞
XxX

How many days did your broker try before getting your application through for HSBC?

He managed to submit it on the first day - the morning after we gave him the go-ahead but he did say that was very lucky and he'd previously been trying for anything up to a week recently for other clients. We were 1 of 2 90% HSBC apps he had to submit and were first to give him the green light so first in his queue to attempt to get it in. It's crazy right now.