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Nationwide document checks stage delays

245

Comments

  • ACG
    ACG Posts: 24,725 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    ELToro wrote: »
    We applied on the 9th June wanted confrmation of salary and last 2 bonus payments.
    How long did you have to wait for an appointment?

    This is the bit where I am hearing the delay is.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • ELToro
    ELToro Posts: 48 Forumite
    ACG wrote: »
    How long did you have to wait for an appointment?

    This is the bit where I am hearing the delay is.

    Dont believe we are having one here (2nd time buyer with them) we have just been asked to send in a bank statement and our understanding this is the last part of the chain.
  • RabK
    RabK Posts: 32 Forumite
    @ACG we had to wait 2 weeks!!
  • ACG
    ACG Posts: 24,725 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    RabK wrote: »
    @ACG we had to wait 2 weeks!!
    Thats pretty much in line with what I have been hearing.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • RabK
    RabK Posts: 32 Forumite
    God knows how long until offer/offer letter to be received!!!
  • ELToro
    ELToro Posts: 48 Forumite
    I spoke to a broker yesterday and they were surprised we got off lightly in terms of documentation.

    We are under the impression (potentially wrongly) that we are at the final stages, if they are happy with our bank statement we will be granted the mortgage.

    Like I say we have been a customer of theres for 7 years I am not sure if that makes a difference? or I am just being far too optimistic. I will say the whole Mortgage process is a utter shambles and needs an overhaul in terms of timings and information.
  • socookin
    socookin Posts: 40 Forumite
    @RabK...have they scheduled your survey yet? Was that done straight after the application call?
    Please check out my website cookscook.co.uk for healthy and frugal recipes :)
  • RabK
    RabK Posts: 32 Forumite
    @ACG would you know if all applications go to the underwriter or is it if there are any problems whilst full application is being submitted?
  • RabK
    RabK Posts: 32 Forumite
    socookin wrote: »
    @RabK...have they scheduled your survey yet? Was that done straight after the application call?

    @socookin once application was submitted via call we were asked to pay for survey and provided vendor details so that was paid for there and then just waiting to hear when it's been booked for..
  • socookin
    socookin Posts: 40 Forumite
    Thanks RabK. Sorry one more question -- how much did you pay for the survey? Do you pay now or add onto mortgage? Cheers,
    Please check out my website cookscook.co.uk for healthy and frugal recipes :)
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