Abbey/Santander application - Delay

Malibu_Girl

Yeah I keep emailing him and he is not responding at the moment, so my husband rings him and he is unavailable then eventually responds 2-3 days later!!

JennGa

Hang in there guys. Took us 4 weeks to get an offer from santander, exchanged 2 weeks later and completed 5 days after that

Okydoky25

JennGa wrote: »

Hang in there guys. Took us 4 weeks to get an offer from santander, exchanged 2 weeks later and completed 5 days after that

JennGa, had you done all the searches while you waited for your offer? We got ours on Fri and that's when searches started. Because of the Easter I can't see them being back before end of next week at the earliest 25th? I want to complete no later than week of May 12th. No chain. Doable?

Malibu_Girl

Okydoky25 wrote: »

JennGa, had you done all the searches while you waited for your offer? We got ours on Fri and that's when searches started. Because of the Easter I can't see them being back before end of next week at the earliest 25th? I want to complete no later than week of May 12th. No chain. Doable?

Because of the hassle / non communication we have been receiving, we haven't yet instructed our Solicitor to carry out the searches. In fact, she is the one advising us to use a different broker and start again! So obviously when (and if) we do get the mortgage offer, we need to start searches which is then going to no doubt take a long time, especially with the Easter break etc.

I still have had no response from the Broker after emailing him at 07.30 yesterday morning! :mad:

chriskellym86

JennGa wrote: »

Hang in there guys. Took us 4 weeks to get an offer from santander, exchanged 2 weeks later and completed 5 days after that

thanks JennaGa.Nice to hear that Santander worked well for someone. It has given me some faith whilst I wait

JennGa

Okydoky25 wrote: »

JennGa, had you done all the searches while you waited for your offer? We got ours on Fri and that's when searches started. Because of the Easter I can't see them being back before end of next week at the earliest 25th? I want to complete no later than week of May 12th. No chain. Doable?

We bought a new build and used the solicitor that had dealt with other plots so some searches had already been done, we had to wait for the water and drainage to come back though which is what delayed us after receiving the offer.
We were told 10 days minimum for searches so 25th would probably be the earliest.
I think it's doable if all your ducks are in a line and no issues with searches and deposits etc are transferred within good time.
Good luck :j

BeauLiLuLu

chriskellym86 wrote: »

Keep getting on at your broker. I am constantly ringing up for them to check the progress and push the bank along!

This & dont let them fob you off or give them the benefit of the doubt to be on top of things!

JennGa wrote: »

Hang in there guys. Took us 4 weeks to get an offer from santander, exchanged 2 weeks later and completed 5 days after that

This gives me a little hope. It will be 5 weeks end of this week.

Okydoky25 wrote: »

JennGa, had you done all the searches while you waited for your offer? We got ours on Fri and that's when searches started. Because of the Easter I can't see them being back before end of next week at the earliest 25th? I want to complete no later than week of May 12th. No chain. Doable?

On the local council's website their lead time is 7 - 10 days so, once all okay with Valuation (once it happens!?), I hope they will go through swiftly!

Malibu_Girl

Well I am gobsmacked!!!!!!!

I have just had a reply from the Broker and apparently "the mortgage has been assessed and fully agreed with underwriters subject to a satisfactory valuation report which will be instructed today" :j

So fingers crossed we seem to be heading the right way now at last :T

chriskellym86

Malibu_Girl wrote: »

Well I am gobsmacked!!!!!!!

I have just had a reply from the Broker and apparently "the mortgage has been assessed and fully agreed with underwriters subject to a satisfactory valuation report which will be instructed today" :j

So fingers crossed we seem to be heading the right way now at last :T

wow that is fab news! hoorah!

Okydoky25

Going into see solicitor this week. Assuming to sign everything in anticipation? Can we just give them a cheque there and then. They would have plenty of time to cash it and would save me sorting out a BACS payment.

Also when do we pay for the solicitors charges. I assume before completion also?