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Waiting on mortgage decision and feel sick every day

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  • saxo_appeal
    saxo_appeal Posts: 66 Forumite
    Part of the Furniture Combo Breaker
    What I’ve read also, if the lender rejects first time do not go straight away into applying again, make sure everything is ok on your credit files, if not already done so

    Rooting for you Mogie, will be following their to see how you get on as we are now in the same situation
  • Mogie
    Mogie Posts: 12 Forumite
    Thank you all so much... got a call today from my broker to say the mortgage is with the underwriters and we should have a decision by Wednesday...

    I'm in Scotland so I know the process is slightly different when it comes to the conveyance but that side of things don't worry me..

    I will keep you all posted and I will also keep my fingers crossed for all of you going through the same stressful time, I've been through some tough times in my life but geeezo this is torture.
    :T:T we are going to be Home owners yay:T:T
  • Mogie
    Mogie Posts: 12 Forumite
    Just a wee note to say Mortgage offer came in I am over the moon ��

    Thanks everyone for all the support, I would have been lost without the forum.

    Although it banned me on Monday night after I posted my news about the broker and I have only just got back in tonight ... ��
    :T:T we are going to be Home owners yay:T:T
  • Natbag
    Natbag Posts: 1,563 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Congratulations Mogie, that's awesome news! Hopefully you can relax a little now :)
    I had good news today too, our buyer's valuation and survey came back all ok - which is where it all went horribly wrong last time, so I am mega relieved and happy today too. Cheers! :beer:
    Property buying/selling timeline - currently into week 21
    04/12/20: Both properties listed for sale
    11/01/21: Offers accepted on both sales & on our joint purchase
     25/01/21: Identity checks completed, solicitors instructed
     27/01/21: Purchase survey & valuation complete, mortgage offer received 
     05/02/21: Reduction agreed on partner's sale (under-valuation) & on purchase. Mortgage offer amended
     08/02/21: Buyers pack returned to solicitor - sellers packs already returned
    26/02/21: Partner's sale contract signed
    10/03/21: Purchase searches all back
    16/03/21: My sale contract signed
    28/03/21: Purchase enquiries satisfied, Title Report & contracts issued, contracts signed & returned
    11/05/21: Still waiting on final enquiry in the adjoining chain to be resolved. Consent to break the chain granted, instruction to move to exchange given.
    17/05/21: All parties agreed to June 3rd for completion
    27/05/21: Exchanged on my sale only
    28/05/21: ALL EXCHANGED!
    03/06/21: Completion
  • saxo_appeal
    saxo_appeal Posts: 66 Forumite
    Part of the Furniture Combo Breaker
    Great news Mogie
  • Mogie
    Mogie Posts: 12 Forumite
    Fab news xxx onwards and upwards xxxx
    :T:T we are going to be Home owners yay:T:T
  • Mogie
    Mogie Posts: 12 Forumite
    Natbag wrote: »
    Congratulations Mogie, that's awesome news! Hopefully you can relax a little now :)
    I had good news today too, our buyer's valuation and survey came back all ok - which is where it all went horribly wrong last time, so I am mega relieved and happy today too. Cheers! :beer:
    Fab news ..... onwards and upwards xxx
    :T:T we are going to be Home owners yay:T:T
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