Kensington Mortgage application timescale

Amysmith21

lauraclay1727 said:

I hope it's simple but I guess you never know. 
My credit is fine, I'm self employed and have been in the same job for nearly 7 years. 
My partner however has a communication default on his credit report which is why we are going with Kensington and he has also been in his new job for 2 months. They have waived his probation period - he got a letter from his manager to confirm this which we have sent them and his previous job he was there for over 4 years, he only left as his new job is better money and the same kind of job. my MA has said he's more than confident it'll all go through fine but you never know and I'm a worrier so I just keep thinking it's going to be a no and the waiting doesn't help 
I feel bad as I'm worrying already and it's just over a week since we applied whereas you all are in your 5th-8th week so I'm sorry if I sound silly. 

Don't feel bad at all! We was all at that point at some point and I've definitely tried to forget about it some weeks from the anxiousness. We're all here to help you get through it so keep us updated and come here for a rant if you need it

EmzJenks

lauraclay1727 said:

I hope it's simple but I guess you never know. 
My credit is fine, I'm self employed and have been in the same job for nearly 7 years. 
My partner however has a communication default on his credit report which is why we are going with Kensington and he has also been in his new job for 2 months. They have waived his probation period - he got a letter from his manager to confirm this which we have sent them and his previous job he was there for over 4 years, he only left as his new job is better money and the same kind of job. my MA has said he's more than confident it'll all go through fine but you never know and I'm a worrier so I just keep thinking it's going to be a no and the waiting doesn't help 
I feel bad as I'm worrying already and it's just over a week since we applied whereas you all are in your 5th-8th week so I'm sorry if I sound silly. 

Not at all, we're all in this together! Plus you have already had one decline so overall I'm sure you've actually been in it all alot longer than one week. I would've normally heard today if there were more docs (they've usually been bang on 3 working days) and I've not heard today. So I'm taking that as a good sign I'll be getting my offer soon. You know wishful thinking and all that haha

lauraclay1727

EmzJenks said:

lauraclay1727 said:

I hope it's simple but I guess you never know. 
My credit is fine, I'm self employed and have been in the same job for nearly 7 years. 
My partner however has a communication default on his credit report which is why we are going with Kensington and he has also been in his new job for 2 months. They have waived his probation period - he got a letter from his manager to confirm this which we have sent them and his previous job he was there for over 4 years, he only left as his new job is better money and the same kind of job. my MA has said he's more than confident it'll all go through fine but you never know and I'm a worrier so I just keep thinking it's going to be a no and the waiting doesn't help 
I feel bad as I'm worrying already and it's just over a week since we applied whereas you all are in your 5th-8th week so I'm sorry if I sound silly. 

Not at all, we're all in this together! Plus you have already had one decline so overall I'm sure you've actually been in it all alot longer than one week. I would've normally heard today if there were more docs (they've usually been bang on 3 working days) and I've not heard today. So I'm taking that as a good sign I'll be getting my offer soon. You know wishful thinking and all that haha

thank you both of you. 
from what you've said if we haven't had a request for more docs by Monday, I'm hoping that just means the valuation needs to be done and signed off. 

I hope it's a good sign too, keep us posted with how you get on. I hope you both hear back soon and get the offer you want. 

FTB991

Hi guys,

Glad to say we got our offer today. 

We are hoping funds are made before 30 June to make the stamp duty deadline!! 

Good luck everyone!

lauraclay1727

FTB991 said:

Hi guys,

Glad to say we got our offer today. 

We are hoping funds are made before 30 June to make the stamp duty deadline!! 

Good luck everyone!

congratulations! that's great news. 
When did you start your application please? 

EmzJenks

FTB991 said:

Hi guys,

Glad to say we got our offer today. 

We are hoping funds are made before 30 June to make the stamp duty deadline!! 

Good luck everyone!

Ah that's amazing!! Still waiting on mine..... forever waiting.....

Amysmith21

FTB991 said:

Hi guys,

Glad to say we got our offer today. 

We are hoping funds are made before 30 June to make the stamp duty deadline!! 

Good luck everyone!

Congratulations!! 👏 fingers crossed it happens for you before 30th June 😊

FTB991

lauraclay1727 said:

FTB991 said:

Hi guys,

Glad to say we got our offer today. 

We are hoping funds are made before 30 June to make the stamp duty deadline!! 

Good luck everyone!

congratulations! that's great news. 
When did you start your application please? 

Thankyou!

Applied on 04/06 - so around 20 days from start to approved.

Awayfrommydesk

How is everyone doing? Just thought I'd update on my timeline so far!

Application in 12/05

Request for further documents (wet signature, proof of 3 months mortgage payments) 02/06

Query regarding email address 11/06

Yesterday my MA told us that Kensington have agreed to book the valuation but also requested a few other documents (just little things like the back of some photocopied documents)

Does this sound promising? 

I so hope everyone's journeys are going well! 

kdickinson90

I feel like my MA is keeping me in the dark. I sent her some documents finally alongside the wet signature and asked if everything was ok and if there was anything else and she has totally ignored me haha. even if she just says ill be in touch in a few days would make me feel better rather than checking my email every hour ! that was 2 days ago..