Bluestone Mortgages

Kellyb88

springmagpie said:

MrsH2 said:

Our valuation is finally booked for tomorrow after the underwriting was completed last week. Hoping our official offer will follow once the valuation is completed 

Good luck, our valuation was on the 14th Jan, they then requested most recent payslips and bank statements, offer received today 11 days later  

Congratulations hoping ours comes through this week 🤞 our valuation was done on the 18th. We've sent over recent bank statements, not heard anything else. Hopefully the end is in sight soon 🤞

caspre12

Kellyb88 said:

springmagpie said:

MrsH2 said:

Our valuation is finally booked for tomorrow after the underwriting was completed last week. Hoping our official offer will follow once the valuation is completed 

Good luck, our valuation was on the 14th Jan, they then requested most recent payslips and bank statements, offer received today 11 days later  

Congratulations hoping ours comes through this week 🤞 our valuation was done on the 18th. We've sent over recent bank statements, not heard anything else. Hopefully the end is in sight soon 🤞

Which recent statements did they ask for ? Up to recent in January or December ?

Kellyb88

caspre12 said:

Kellyb88 said:

springmagpie said:

MrsH2 said:

Our valuation is finally booked for tomorrow after the underwriting was completed last week. Hoping our official offer will follow once the valuation is completed 

Good luck, our valuation was on the 14th Jan, they then requested most recent payslips and bank statements, offer received today 11 days later  

Congratulations hoping ours comes through this week 🤞 our valuation was done on the 18th. We've sent over recent bank statements, not heard anything else. Hopefully the end is in sight soon 🤞

Which recent statements did they ask for ? Up to recent in January or December ?

December to January 😁

samster1

Is it possible to change the property without going back to square one? 

doglover34

springmagpie said:

Just had an email from our MA, we now have our final mortgage offer!  

Omg Finally xx soo happy for you!!!! Whoop whooo

doglover34

If anyone needs to ask me anything about our process feel free! Just message me, happy to help as everyone helped me with our ongoing saga xx 

Hopefull13

@doglover34
hey 
we are waiting to hear back from bluestone
I just wondered if you had to use a packager for your application? 

When they were coming back to you asking for me docs, was that the packager or bluestone themselves?
Our Ma submitted the application to the packager at beginning of Jan, which then went back and forth asking for more docs for a couple of weeks, until MA told us on 21st the packager was finally happy and had passed the application onto bluestone. 

I’m just trying to get an estimate of how long from here but unsure if others had the same package process or was able to get straight to Bluestone 🤷🏼‍♀️

Thankyou x

doglover34

Hopefull13 said:

@doglover34
hey 
we are waiting to hear back from bluestone
I just wondered if you had to use a packager for your application? 

When they were coming back to you asking for me docs, was that the packager or bluestone themselves?
Our Ma submitted the application to the packager at beginning of Jan, which then went back and forth asking for more docs for a couple of weeks, until MA told us on 21st the packager was finally happy and had passed the application onto bluestone. 

I’m just trying to get an estimate of how long from here but unsure if others had the same package process or was able to get straight to Bluestone 🤷🏼‍♀️

Thankyou x

Hi ya, no we used just our MA no packager im afraid as we had read that its another middleman. Saying that there are some.posts on here that have used packerages that have been really quick once they had been passed to BS as they had asked all the questions.

Everytime BS asked us for something it can straight to our MA who answered it all and only passed to us for anything else. 
Its just a long process BUT my MA uses them all the time and said that if you have ur AIP/DIP they have already agreed the mortgage as underwrite has looked at it, they just need to be thorough to make sure they are not audited and u can aford it on and nothing has change from DIP to application. Ive not seen anyone who has had a DIP been turned down on here. Theres lots that havent been approved a DIP but not after that stage. You will get there it just takes a while and they make u work for it xx good luck

Hopefull13

@doglover34

thanks for the reply! We didn’t have a choice but to use the packager once the MA decided Bluestone were our final option!
Nevertheless MA emailed today to say Valuation has been instructed for this Friday! She said this is good news, although I’m trying not to get my hopes up, I can’t help it! Wondering if we could potentially be at offer stage 🤞🏻 next maybe?! 

Also has anyone else using help to buy had to inform them of bluestones higher rate? And what was the outcome. Thankyou xx

Hopefull13

*next week