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Precise Mortgages - how long from application to offer?

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  • homelyhome4
    homelyhome4 Posts: 17 Forumite
    10 Posts Name Dropper
    We had our 3rd lot of questions through today, nothing that we couldn't answer though. Lets hope thats it, would be nice;-)
  • Tinojino
    Tinojino Posts: 17 Forumite
    Second Anniversary 10 Posts Name Dropper
    Hi @jobo13 and @homelyhome4, so glad there’s someone in the same boat. 

    So we are in the same situation as you hobo, application went in the day after you and we’ve not had a hard or soft search and no questions asked at all. Asked our mortgage broker yesterday and he said we’re waiting on a date for the valuation. So nervous too, we have no idea what to expect. We’re pretty straight forward in that we’re both teachers but husband has a default from a couple of years ago and a few missed payments. We also have quite a bit on credit cards. 

    Just really hope we hear something soon. 
  • jobo13
    jobo13 Posts: 15 Forumite
    10 Posts Name Dropper
    Tinojino said:
    Hi @jobo13 and @homelyhome4, so glad there’s someone in the same boat. 

    So we are in the same situation as you hobo, application went in the day after you and we’ve not had a hard or soft search and no questions asked at all. Asked our mortgage broker yesterday and he said we’re waiting on a date for the valuation. So nervous too, we have no idea what to expect. We’re pretty straight forward in that we’re both teachers but husband has a default from a couple of years ago and a few missed payments. We also have quite a bit on credit cards. 

    Just really hope we hear something soon. 
    Ok so... first lot of requests through today, just asking me to sign my passport (it's a new one... I didn't even realise there was a space to be signed!) etc.
    Bracing myself for more in the coming days... fingers crossed you'll hear something soon! Our house is complete and ready to move in... no pressure eh! 🤣
  • Valacarno12
    Valacarno12 Posts: 24 Forumite
    10 Posts Name Dropper
    Going through our application now. Had tons of questions, wanting all sorts posted statements etc.

    Me and wife in perm employment, 70k+ income. 2 defaults between us both 4 years old & a few missed payments from end of last year that we had murder with bank about.

    really nervous as just can’t bring myself to think about it going through.
  • Tinojino
    Tinojino Posts: 17 Forumite
    Second Anniversary 10 Posts Name Dropper
    Going through our application now. Had tons of questions, wanting all sorts posted statements etc.

    Me and wife in perm employment, 70k+ income. 2 defaults between us both 4 years old & a few missed payments from end of last year that we had murder with bank about.

    really nervous as just can’t bring myself to think about it going through.
    It’s so unnerving not knowing. 

    Can I ask when you put your application in? We’ve still heard nothing. Really nervous about the questioning. 
  • homelyhome4
    homelyhome4 Posts: 17 Forumite
    10 Posts Name Dropper
    Hey all has anyone heard anything today?
    hi @kolacat fingers crossed you hear something soon, I’m surprised they haven’t done your hard search yet?!? 
    We’ve had questions back and forth 3 times, for the same reason as your other half.

  • Kolacat
    Kolacat Posts: 11 Forumite
    10 Posts Name Dropper
    Not heard anything today but we were told that hopefully we should hear something tomorrow. I hope so as it's been 5 weeks. Yeah I was surprised about that, I'm sure there's a reason behind it. 
  • Tinojino
    Tinojino Posts: 17 Forumite
    Second Anniversary 10 Posts Name Dropper
    Hey all has anyone heard anything today?
    hi @kolacat fingers crossed you hear something soon, I’m surprised they haven’t done your hard search yet?!? 
    We’ve had questions back and forth 3 times, for the same reason as your other half.

    Still heard nothing, I was so sure it’d be today as we put our app in the day after Jobo and they heard yesterday. 
  • homelyhome4
    homelyhome4 Posts: 17 Forumite
    10 Posts Name Dropper
    Hopefully tomorrow is the day otherwise its another tedious weekend wait, I hate wishing the days away but right now I find thats what I'm doing lol
  • Valacarno12
    Valacarno12 Posts: 24 Forumite
    10 Posts Name Dropper
    Tinojino said:
    Going through our application now. Had tons of questions, wanting all sorts posted statements etc.

    Me and wife in perm employment, 70k+ income. 2 defaults between us both 4 years old & a few missed payments from end of last year that we had murder with bank about.

    really nervous as just can’t bring myself to think about it going through.
    It’s so unnerving not knowing. 

    Can I ask when you put your application in? We’ve still heard nothing. Really nervous about the questioning. 
    We sent everything off last Monday 22nd, so nearly 2 weeks. We’ve been asked to provide some further statements, had a few questions about previous addresses etc. But we’re both permanent employment with a bank, so nothing too complex there.

    We’ve had credit searches made on 23rd June.
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