Kensington Mortgage application timescale

EmzJenks

Amysmith21 said:

EmzJenks said:

@Amysmith21 Tues probably as I can't get them to my MA until tomorrow. Such a joke. Was hoping for good news, and then when it's more questions it's so disheartening. Ah well nowt can be done, back in the queue we go! 

Keeping everything crossed for you for next week!...

Thank you! Had a right nightmare. Jan 2021 - my payslip didn't match my statement - had a look and the works accountant made an error (flipping a 5 and 8) so I was underpaid by £27. I didn't even notice And now Kensington are saying that's fraud & want an explanation. So having to get accountant to write a letter saying it was their human error, get the £27 transferred to me and as a result Kensington now want October - December statements and payslips & statements to ensure they match. Could've cried last night 

Amysmith21

EmzJenks said:

Amysmith21 said:

EmzJenks said:

@Amysmith21 Tues probably as I can't get them to my MA until tomorrow. Such a joke. Was hoping for good news, and then when it's more questions it's so disheartening. Ah well nowt can be done, back in the queue we go! 

Keeping everything crossed for you for next week!...

Thank you! Had a right nightmare. Jan 2021 - my payslip didn't match my statement - had a look and the works accountant made an error (flipping a 5 and 8) so I was underpaid by £27. I didn't even notice And now Kensington are saying that's fraud & want an explanation. So having to get accountant to write a letter saying it was their human error, get the £27 transferred to me and as a result Kensington now want October - December statements and payslips & statements to ensure they match. Could've cried last night 

Oh god! I am surprised you didn't cry last night, I think I totally would have done! Hopefully it doesn't take too long for them to get it sorted and everything resent over to Kensington that they need.

EmzJenks

Amysmith21 said:

EmzJenks said:

Amysmith21 said:

EmzJenks said:

@Amysmith21 Tues probably as I can't get them to my MA until tomorrow. Such a joke. Was hoping for good news, and then when it's more questions it's so disheartening. Ah well nowt can be done, back in the queue we go! 

Keeping everything crossed for you for next week!...

Thank you! Had a right nightmare. Jan 2021 - my payslip didn't match my statement - had a look and the works accountant made an error (flipping a 5 and 8) so I was underpaid by £27. I didn't even notice And now Kensington are saying that's fraud & want an explanation. So having to get accountant to write a letter saying it was their human error, get the £27 transferred to me and as a result Kensington now want October - December statements and payslips & statements to ensure they match. Could've cried last night 

Oh god! I am surprised you didn't cry last night, I think I totally would have done! Hopefully it doesn't take too long for them to get it sorted and everything resent over to Kensington that they need.

I didn't sleep and have felt sick about it allll night. Got everything from accountant, so sent it all back over to Kensington, Just pray that's enough now, I feel like we're so close. 

Shirleyuz

I heard from my broker this morning. Kensington have accepted my documents and valuation will be done on Monday! Hopefully not too long before an offer. Hope everyone else is getting some good news Atleast 

Amysmith21

Shirleyuz said:

I heard from my broker this morning. Kensington have accepted my documents and valuation will be done on Monday! Hopefully not too long before an offer. Hope everyone else is getting some good news Atleast 

That's good! Quick for the valuation too! Our valuation got instructed to be done Wednesday, don't know when they are meant to be doing it but haven't heard anything yet. Would be nice to hear back today if it has been done and all ok just before a weekend 

Awayfrommydesk

Fingers tightly crossed for everyone! 
Our MA called this afternoon, she said that Kensington had query about our landlords e-mail address which she was able to satisfy. She believes the next step is valuation! I hope this is the case but can't help but feel a little apprehensive as they haven't asked any particularly difficult questions yet.

Hhp321

Hope you guys are getting on OK  sounds like you've had a proper stressful time Emz. They are so soooo pedantic but have faith that it will all be worth it!

Our drama continues.  Everything with the offer is OK still but in finalising the sale our solicitor has found a problem with the title deeds of the property. It's a flat with  a house attached as a neighbour but the house has one of their rooms in the building of our flat. This makes them partly responsible for roof costs of the building our flat is in. However, the issue is the way the  deeds read is we are also responsible for a share of the roof of their house (which we don't share in any way). Apparently this is unusual and our solicitor says he wouldn't advise buying the property if it is the case and thinks Kensington probably wouldn't lend on it. 

 It's not looking good atm for us,  waiting to hear if the neighbours deeds clear things up . Apparently it's possible ours are just unclear and theirs will be constructed in a way that clears the confusion up which is taking time because the neighbours deeds come from the old register. Solicitor said to be prepared that their deeds will say the same though. 

Very much looks like we are back to the start. Killlllll meeeeee. We were supposed to be moving in next month!
Gutted to say the least, I thought once we got the offer we'd  be home and dry!

Amysmith21

Hhp321 said:

Hope you guys are getting on OK  sounds like you've had a proper stressful time Emz. They are so soooo pedantic but have faith that it will all be worth it!

Our drama continues.  Everything with the offer is OK still but in finalising the sale our solicitor has found a problem with the title deeds of the property. It's a flat with  a house attached as a neighbour but the house has one of their rooms in the building of our flat. This makes them partly responsible for roof costs of the building our flat is in. However, the issue is the way the  deeds read is we are also responsible for a share of the roof of their house (which we don't share in any way). Apparently this is unusual and our solicitor says he wouldn't advise buying the property if it is the case and thinks Kensington probably wouldn't lend on it. 

 It's not looking good atm for us,  waiting to hear if the neighbours deeds clear things up . Apparently it's possible ours are just unclear and theirs will be constructed in a way that clears the confusion up which is taking time because the neighbours deeds come from the old register. Solicitor said to be prepared that their deeds will say the same though. 

Very much looks like we are back to the start. Killlllll meeeeee. We were supposed to be moving in next month!
Gutted to say the least, I thought once we got the offer we'd  be home and dry!

Omg that sounds terrible for you! I can totally imagine how gutted you are to have to start all again. Have you had a look around to see what is on the market at the moment if anything you'd want to view? You never know their deeds might clear it up and all be ok!! Fingers crossed!!!

Hhp321

Amysmith21 said:

Hhp321 said:

Hope you guys are getting on OK  sounds like you've had a proper stressful time Emz. They are so soooo pedantic but have faith that it will all be worth it!

Our drama continues.  Everything with the offer is OK still but in finalising the sale our solicitor has found a problem with the title deeds of the property. It's a flat with  a house attached as a neighbour but the house has one of their rooms in the building of our flat. This makes them partly responsible for roof costs of the building our flat is in. However, the issue is the way the  deeds read is we are also responsible for a share of the roof of their house (which we don't share in any way). Apparently this is unusual and our solicitor says he wouldn't advise buying the property if it is the case and thinks Kensington probably wouldn't lend on it. 

 It's not looking good atm for us,  waiting to hear if the neighbours deeds clear things up . Apparently it's possible ours are just unclear and theirs will be constructed in a way that clears the confusion up which is taking time because the neighbours deeds come from the old register. Solicitor said to be prepared that their deeds will say the same though. 

Very much looks like we are back to the start. Killlllll meeeeee. We were supposed to be moving in next month!
Gutted to say the least, I thought once we got the offer we'd  be home and dry!

Omg that sounds terrible for you! I can totally imagine how gutted you are to have to start all again. Have you had a look around to see what is on the market at the moment if anything you'd want to view? You never know their deeds might clear it up and all be ok!! Fingers crossed!!!

I know fingers crossed 🤞 yeah starting to look around now but can't see anything within our budget in the area we planned to move to. Hoping for some kind of miracle or we might need to reassess all our plans. 

How are you getting on?

Amysmith21

Hhp321 said:

Amysmith21 said:

Hhp321 said:

Hope you guys are getting on OK  sounds like you've had a proper stressful time Emz. They are so soooo pedantic but have faith that it will all be worth it!

Our drama continues.  Everything with the offer is OK still but in finalising the sale our solicitor has found a problem with the title deeds of the property. It's a flat with  a house attached as a neighbour but the house has one of their rooms in the building of our flat. This makes them partly responsible for roof costs of the building our flat is in. However, the issue is the way the  deeds read is we are also responsible for a share of the roof of their house (which we don't share in any way). Apparently this is unusual and our solicitor says he wouldn't advise buying the property if it is the case and thinks Kensington probably wouldn't lend on it. 

 It's not looking good atm for us,  waiting to hear if the neighbours deeds clear things up . Apparently it's possible ours are just unclear and theirs will be constructed in a way that clears the confusion up which is taking time because the neighbours deeds come from the old register. Solicitor said to be prepared that their deeds will say the same though. 

Very much looks like we are back to the start. Killlllll meeeeee. We were supposed to be moving in next month!
Gutted to say the least, I thought once we got the offer we'd  be home and dry!

Omg that sounds terrible for you! I can totally imagine how gutted you are to have to start all again. Have you had a look around to see what is on the market at the moment if anything you'd want to view? You never know their deeds might clear it up and all be ok!! Fingers crossed!!!

I know fingers crossed 🤞 yeah starting to look around now but can't see anything within our budget in the area we planned to move to. Hoping for some kind of miracle or we might need to reassess all our plans. 

How are you getting on?

It must be so stressful for you at the moment! Just have to remember that everything happens for a reason and it will definitely all work itself out how it is suppose to 🤞 

It all seems to be coming along OK at the moment...hopefully will hear on Monday about our valuation and if its been done or when it will be so just waiting for that now....just hoping it all works out OK and then the offer will come from there 🤞😬