Kensington Mortgage application timescale

Shirleyuz

I have been following this thread. Only just stay my journey.

AIP 21/05/21
Full Application went in today 26/05

Hoping it all goes well 🤞🏽

kirstyb91

kirstyb91 said:

Hey just seeing how confident everyone was with their application.
DIP 06/05/2021
Full application went in 07/05 with hard search completed day after.
Requests for docs 10/05 then all documents were reviewed and signed off 20/05. Valuation took place on Monday 24/05. Now waiting for offer...

Just wondering if I should be feeling positive or has anyone had any experience of being declined at this point?

thank you in advance.

Just an update we got our offer this morning!!  14 working days from full application to offer. Good luck everyone with your applications xx

ReshmaZ

Congratulations 🎉

ReshmaZ

Hi All,
Just monitoring timelines here... Good luck to everyone who is in the same boat like us... 
Full Application went in on 5/05/21
Valuation done on 14/05/21
Additional documents sent on 21/05/21
Rental Reference sent on 26/05/21
Eagerly awaiting now... Fingers crossed 🤞 

EmzJenks

@kirstyb91 amazing! Hoping ours is as quick. Submitted all docs requested on Monday and now just waiting....

EmzJenks

ReshmaZ said:

Hi All,
Just monitoring timelines here... Good luck to everyone who is in the same boat like us... 
Full Application went in on 5/05/21
Valuation done on 14/05/21
Additional documents sent on 21/05/21
Rental Reference sent on 26/05/21
Eagerly awaiting now... Fingers crossed 🤞 

Yours has moved quickly too! Hoping they are moving quickly now. Desperate to book our valuation but MB says to wait until docs are signed off. I hate waiting. It is not one of my strong points 😂

bbh1989

Reading these reviews had me worried - So I thought I would share our experience..
we unfortunately had to go through Kensington due to some old blemishes on a credit report - even though circumstances have now drastically changed and are very comfortable (blemishes will fall off report next year)  - We submitted our application on 10th of May, they did ask for slightly more than other lenders would have but nothing too difficult, (although there was one instance of them saying they did not have info we had already sent but our broker pointed this out and they apologised). Valuation took place on 21st of May, and yesterday (27th May) we had an email from our broker to say it’s been approved and to expect communication from Kensington shortly.

hope this helps reassure people that they can work quickly and do look at your actual circumstances.

EmzJenks

bbh1989 said:

Reading these reviews had me worried - So I thought I would share our experience..
we unfortunately had to go through Kensington due to some old blemishes on a credit report - even though circumstances have now drastically changed and are very comfortable (blemishes will fall off report next year)  - We submitted our application on 10th of May, they did ask for slightly more than other lenders would have but nothing too difficult, (although there was one instance of them saying they did not have info we had already sent but our broker pointed this out and they apologised). Valuation took place on 21st of May, and yesterday (27th May) we had an email from our broker to say it’s been approved and to expect communication from Kensington shortly.

hope this helps reassure people that they can work quickly and do look at your actual circumstances.

That's a positive story thanks for sharing! I am still waiting for an update from the additional docs submitted on Monday. Hoping to hear soon so we can book our valuation in  

EmzJenks

Update from me - more documents required this morning (which my MA already had so kinda annoyed they weren't sent in the first place), they have requested to book the survey in, so I guess I'm back in the waiting queue for them to review the docs sent today  

Amysmith21

EmzJenks said:

Update from me - more documents required this morning (which my MA already had so kinda annoyed they weren't sent in the first place), they have requested to book the survey in, so I guess I'm back in the waiting queue for them to review the docs sent today  

Oh that is so frustrating! Hopefully you won't have long of a wait for them to review again. It is a good thing I guess they want to book the survey in. We submitted our 'final' documents (that we know of) that are needed on Friday so we are also now just waiting to hear anything...hopefully not too long of a wait also. *fingers crossed*