Bluestone Mortgages

caspre12

Just a quickie for those who have completed who did you go with for insurance to have bluestone as named party?

Halfwaythere

springmagpie said:

We've had the email to say that the funds have been released by Bluestone and should be in our solicitors account by the end of the day!! Keeping everything crossed we exchange and complete tomorrow  

Can I ask at what point you got your completion dates ? We got our full offer on the 10th March. Thanks 

MovingForwards

caspre12 said:

Just a quickie for those who have completed who did you go with for insurance to have bluestone as named party?

I went with Direct Line, they emailed me confirmation of cover, amounts, property address and noted Bluestone were an interested party. The full hardcopy was sent to my new address.

MrsH2

Our insurance was with legal and general 

FirstTimeBuyer428

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

We’ve been told we’re “in the queue for formal underwrite” and that Bluestone aren’t taking any escalations. We’re being because our packager didn’t upload all of our documents even though we sent them numerous times. I’m SO angry. 

Is your packager Brightstar? Mine went to underwrite last week, just hope they don't want anything else as I have sent them everything! Its very stressful as it adds 8 more days until you get a response! Have you had your valuation? 

Yep Brightstar. We’ve had our valuation because I asked for it early (non-refundable) and it was all good. The problem is it’ll be 8 working days until I hear and then if they have queries it’ll be another 8 working days so that’s already 6th April  

Ahh I haven't asked for mine yet, My full application went in on the 26th Feb then was progressed to underwriters last Tuesday but not had valuation yet, I will be asking for it this week as the seller has been waiting. Aww I hope you get everything you need, it's awful the waiting round but you will get there in the end! As far as I know it goes DIP, then assessment, underwriters, valuation, back to underwriters and then offer? That is if they have all the paperwork as that's what causes the waiting times. Hopefully you get something back asap. Please keep me updated. X 

Yeah deffo ask for your valuation to be done to keep sellers happy  
Thank you. I’m hoping as we’ve done valuation and they had that on 1st March they just do one big underwrite. I guess it’ll be any questions on affordability we will need to answer as my Nanna has given me some money (not to do with the house) that we will have to answer I assume!
good luck with yours too

Yes I has questions like that at the beginning why has someone transferred me money, all them were answered straight away!  Hopefully get there in the end  

Yes Did you just answer yours over email? I’ve got two instances where a family member has sent me money (bless them they’re old and they’re gifting their money away but under the inheritance tax threshold) so I know they will question it but I just want to get them an answer quickly! 

I just written letters to explain what it was for but this was before the packager sent my application to Bluestone. Had no questions so far so my fingers are crossed its okay! 

Hopeful89

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

We’ve been told we’re “in the queue for formal underwrite” and that Bluestone aren’t taking any escalations. We’re being because our packager didn’t upload all of our documents even though we sent them numerous times. I’m SO angry. 

Is your packager Brightstar? Mine went to underwrite last week, just hope they don't want anything else as I have sent them everything! Its very stressful as it adds 8 more days until you get a response! Have you had your valuation? 

Yep Brightstar. We’ve had our valuation because I asked for it early (non-refundable) and it was all good. The problem is it’ll be 8 working days until I hear and then if they have queries it’ll be another 8 working days so that’s already 6th April  

Ahh I haven't asked for mine yet, My full application went in on the 26th Feb then was progressed to underwriters last Tuesday but not had valuation yet, I will be asking for it this week as the seller has been waiting. Aww I hope you get everything you need, it's awful the waiting round but you will get there in the end! As far as I know it goes DIP, then assessment, underwriters, valuation, back to underwriters and then offer? That is if they have all the paperwork as that's what causes the waiting times. Hopefully you get something back asap. Please keep me updated. X 

Yeah deffo ask for your valuation to be done to keep sellers happy  
Thank you. I’m hoping as we’ve done valuation and they had that on 1st March they just do one big underwrite. I guess it’ll be any questions on affordability we will need to answer as my Nanna has given me some money (not to do with the house) that we will have to answer I assume!
good luck with yours too

Yes I has questions like that at the beginning why has someone transferred me money, all them were answered straight away!  Hopefully get there in the end  

Yes Did you just answer yours over email? I’ve got two instances where a family member has sent me money (bless them they’re old and they’re gifting their money away but under the inheritance tax threshold) so I know they will question it but I just want to get them an answer quickly! 

I just written letters to explain what it was for but this was before the packager sent my application to Bluestone. Had no questions so far so my fingers are crossed its okay! 

I think your packager sounds like heaven
My hard search showed up today! It was done 15/03

FirstTimeBuyer428

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

We’ve been told we’re “in the queue for formal underwrite” and that Bluestone aren’t taking any escalations. We’re being because our packager didn’t upload all of our documents even though we sent them numerous times. I’m SO angry. 

Is your packager Brightstar? Mine went to underwrite last week, just hope they don't want anything else as I have sent them everything! Its very stressful as it adds 8 more days until you get a response! Have you had your valuation? 

Yep Brightstar. We’ve had our valuation because I asked for it early (non-refundable) and it was all good. The problem is it’ll be 8 working days until I hear and then if they have queries it’ll be another 8 working days so that’s already 6th April  

Ahh I haven't asked for mine yet, My full application went in on the 26th Feb then was progressed to underwriters last Tuesday but not had valuation yet, I will be asking for it this week as the seller has been waiting. Aww I hope you get everything you need, it's awful the waiting round but you will get there in the end! As far as I know it goes DIP, then assessment, underwriters, valuation, back to underwriters and then offer? That is if they have all the paperwork as that's what causes the waiting times. Hopefully you get something back asap. Please keep me updated. X 

Yeah deffo ask for your valuation to be done to keep sellers happy  
Thank you. I’m hoping as we’ve done valuation and they had that on 1st March they just do one big underwrite. I guess it’ll be any questions on affordability we will need to answer as my Nanna has given me some money (not to do with the house) that we will have to answer I assume!
good luck with yours too

Yes I has questions like that at the beginning why has someone transferred me money, all them were answered straight away!  Hopefully get there in the end  

Yes Did you just answer yours over email? I’ve got two instances where a family member has sent me money (bless them they’re old and they’re gifting their money away but under the inheritance tax threshold) so I know they will question it but I just want to get them an answer quickly! 

I just written letters to explain what it was for but this was before the packager sent my application to Bluestone. Had no questions so far so my fingers are crossed its okay! 

I think your packager sounds like heaven
My hard search showed up today! It was done 15/03

I'm with Brightstar too! But my MA is really good, always answers everything for me . Ahh thats good news.. im hoping for some news back this week, hoping to get the valuation booked in  

Sortingmylifeout7

Hi All..we’re currently treading the same path as many of you..how do you find out so quickly that the hard search has been completed please?

Hopeful89

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

FirstTimeBuyer428 said:

Hopeful89 said:

We’ve been told we’re “in the queue for formal underwrite” and that Bluestone aren’t taking any escalations. We’re being because our packager didn’t upload all of our documents even though we sent them numerous times. I’m SO angry. 

Is your packager Brightstar? Mine went to underwrite last week, just hope they don't want anything else as I have sent them everything! Its very stressful as it adds 8 more days until you get a response! Have you had your valuation? 

Yep Brightstar. We’ve had our valuation because I asked for it early (non-refundable) and it was all good. The problem is it’ll be 8 working days until I hear and then if they have queries it’ll be another 8 working days so that’s already 6th April  

Ahh I haven't asked for mine yet, My full application went in on the 26th Feb then was progressed to underwriters last Tuesday but not had valuation yet, I will be asking for it this week as the seller has been waiting. Aww I hope you get everything you need, it's awful the waiting round but you will get there in the end! As far as I know it goes DIP, then assessment, underwriters, valuation, back to underwriters and then offer? That is if they have all the paperwork as that's what causes the waiting times. Hopefully you get something back asap. Please keep me updated. X 

Yeah deffo ask for your valuation to be done to keep sellers happy  
Thank you. I’m hoping as we’ve done valuation and they had that on 1st March they just do one big underwrite. I guess it’ll be any questions on affordability we will need to answer as my Nanna has given me some money (not to do with the house) that we will have to answer I assume!
good luck with yours too

Yes I has questions like that at the beginning why has someone transferred me money, all them were answered straight away!  Hopefully get there in the end  

Yes Did you just answer yours over email? I’ve got two instances where a family member has sent me money (bless them they’re old and they’re gifting their money away but under the inheritance tax threshold) so I know they will question it but I just want to get them an answer quickly! 

I just written letters to explain what it was for but this was before the packager sent my application to Bluestone. Had no questions so far so my fingers are crossed its okay! 

I think your packager sounds like heaven
My hard search showed up today! It was done 15/03

I'm with Brightstar too! But my MA is really good, always answers everything for me . Ahh thats good news.. im hoping for some news back this week, hoping to get the valuation booked in  

We have had veerrrryyy different experiences haha. Basically they’ve constantly asked for the same stuff even though my MA has sent it. I think we could have shaved a month off. 

Let me know when your val gets booked in!  

Hopeful89

Sortingmylifeout7 said:

Hi All..we’re currently treading the same path as many of you..how do you find out so quickly that the hard search has been completed please?

Hey. I have an Experian account. I pay £15 for it monthly at the minute so I can constantly check it’s okay. The hard search was completed on Monday and it showed up today. You have to go into your credit report on Experian and click save to open a new tab which downloads your whole credit report. This shows up before any notifications on the account