Pepper money? Anyone have any experience good or bad please

Ako26

I think it all depends how accessible the vendor has the relevant paperwork an what land surveys show. I did get my offer within 48 hours of my survey tho 😁😁😁

JasonHand

My bad HappyMe about the mortgage offer. I remember getting to the valuation stage now and I just remember being told that in regards to my individual circumstances I would receive the mortgage offer subject to valuation.

Just in regards to the solicitors this took quite a while for me. They had issues with sickness and also a couple of minor bits cropped up in the survey. Honestly if you are confident regarding the valuation I'd get them started ASAP

Guerillatoker

So they didn't budge on the valuation, as I expected.

Fortunately my vendor have agreed to meet me in the middle - it means finding an extra £2.5k on top of my deposit but this will just come out of my emergency fund (well, the entirety of my EF). Bit scary but have to look on the bright side - buying cheaper than expected and less mortgage!

Guerillatoker

Got my offer In the hands of the solicitors now.

Happyme7

I really darent go to the solicitors just yet incase i dnt get an offer the valuation was today so should hopefully have an update next wk:) so nervous

Happyme7

Congratulations on getting your mortgage offer you must be so happy ::beer:

Happyme7

Oh my goodness im so nervous the wait is stressing me to bits:o:o

Ako26

Happyme7 you should hopefully get your offer tmw, well a verbal one anyway we had ours within 48 hours . I hope everything goes OK for you, its horrible the waiting. Unfortunately stress doesn't stop at that next one is will land surveys show anything then by time it comes to exchange will the final credit check go through OK it's non stop

Happyme7

:eek::eek: oh i know i cnt believe how stressful it is! I just wana hurry up and exchange as soon as i can if i get my offer! How long after getting your offer can you exchange??? I hope to hear something tomoro, good news i hope:o

Happyme7

Do they do another credit search at the end? Didnt no that we should be fine unless something we are unaware of crops up ! It shouldnt but its just a worry for anything to mess up