Mortgage offer yest but questions...

62 Posts
Good afternoon
Yesterday we were told that we have finally had our mortgage application signed off. They are going to send the offer out but I have two questions
1. Do you receive the offer by post or email and how long do they take to send
2. There are no hard searches from our mortgage company only a soft search from 4th Jan when we got our DIP and yest both saying credit quotation
I was expecting a hard search now. Is that normal?
Many thanks
Annie
Yesterday we were told that we have finally had our mortgage application signed off. They are going to send the offer out but I have two questions
1. Do you receive the offer by post or email and how long do they take to send
2. There are no hard searches from our mortgage company only a soft search from 4th Jan when we got our DIP and yest both saying credit quotation
I was expecting a hard search now. Is that normal?
Many thanks
Annie
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Replies
2. Checked all three versions of your credit file?
Otherwise it will be a letter that you will need to wet sign
or...
Do other brokers not actually bother telling their clients what is going to happen and/or when...?
Yes I've checked them! Was expecting a hard search but just 2 soft searches and the latest one was yest when we were told mortgage had been signed off
Our lender is Kent Reliance. MA had chased them yesterday and they said it's been signed off and to expect offer Friday or Monday and that both myself and our solicitor will receive the offer. Just heard someone got theirs by email but I just presumed it was by post so thought I would ask!
Ok thank you il keep an eye out on my post!
Oh thank you!!! Can I ask how soon you were emailed the offer?
Basically yesterday MA rang the underwriter for update and she said it's been signed off but hadn't been updated on the online portal yet but they were writing up the offer and we would receive it by froday or Monday.
KR took 3 weeks from being being instructed valuation (valuation was done the following day) and they have been so so slow and was well over the days they gave. Now I'm wondering if they'll take longer to send offer. I still won't believe we have the mortgage until I see it witb my own eyes!
I would imagine that your broker will get the offer within a couple of days if you haven’t had it yet.
I just want to see it in writing. This has been going on since Jan 4th so you can imagine while I'm abit in disbelief until I see it with my own eyes!
MA hasn't mentioned he's got offer on email only over the phone
Many thanks
Annie