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santander mortgage

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jee
jee Posts: 288 Forumite
in Mortgages & endowments
Hi all
I've applied for a santander mortgage and surprised how quickly they arrange the survey.
When do they send your mortgage application to the underwriters- before or after valuation?
thanks

Comments

  • LRmortgage
    LRmortgage Posts: 484 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Often at the same time, they run the two processes in parallel to try and reduce the wait for an offer.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • jee
    jee Posts: 288 Forumite
    Thanks. If the applicant doesn't meet the underwriters criteria will it be rejected before the valuation- to save the applicant having to pay the fee?
  • jee
    jee Posts: 288 Forumite
    I should add i applied via a broker...
  • hannahvictoria
    hannahvictoria Posts: 23 Forumite
    Second Anniversary 10 Posts
    We've submitted ours too yesterday to Santander! It was instantly approved, they didn't want any proofs which was surprising!
    But we did ours through a broker who's now away so cant chase up when Santander will be doing their valuation!


    Good luck with yours, guess its just a waiting game for the offers now!
  • blaise802001
    blaise802001 Posts: 2,138 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I’ve just been through Santander via broker. Full app was thurs 30th and received offer yest. Thurs 6th :T
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