Bluestone Mortgages

peanutbuter

Kb21 said:

@peanutbuter what form were u asked to sign? We are also self employed with no previous mortgage so interesting to hear 

It’s was a lending into retirement form.  Just needed a signature.  

vicki_w83

Kb21 said:

Fountains_27 said:

peanutbuter said:

We are both self employed.  Dip end of November, few soft searches then hard search beginning of March.  Val already done and ok.  Just waiting for the underwrite to be completed.  Every time we’ve been asked for more info (3 times in underwrite), it’s goes back into the queue for 11 working days.  So frustrating, out next review is 22nd April which will be 11 working days since we signed a form !!  Feel like I’m cracking up 

I know that feeling @peanutbuter . It's almost like what else will they ask, should I just submit more? Why dont they just ask all at once since it's all linked up?.

I do understand it goes through different underwriters at different stages being  asked in trickles. I wanted to send some new payslip for last month and bank statement while submitting the requested docs this week but MA says no if they dont ask why submit... but here I am wondering what if they decide to again ask after additional 10 working days? This would mean 20 working days waiting from now.....grrrrrr

One thing I have learnt to do is to just trust the process and try not remember about it till I get a positive outcome.

I sent all my newest bank statements etc over to my MA cos I wasn’t waiting for them to ask 

We did exactly this as well to try and cut down the waiting time!

Kb21

@peanutbuter aww ok.
I always get panicky when other self employed people ask cos We’ve sent all out tax returns over and business bank statements just hoping that all required now. 

peanutbuter

Kb21 said:

@peanutbuter aww ok.
I always get panicky when other self employed people ask cos We’ve sent all out tax returns over and business bank statements just hoping that all required now. 

We haven’t got anymore business bank statements to send them !!  They’ve had the last full 12 months from us and gone through every transaction.  Hoping we are there now when they review on the 22nd.  Can’t face another 11/12 working day wait 😩

Fountains_27

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

vicki_w83

Fountains_27 said:

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

He uploads them onto the portal so when someone was reviewing it they were there instead of the delay around asking. Our MA has been amazing though and seems to work with Bluestone a lot so knows the process. I’d ask yours to upload them throughout as you know they’re going to want the latest ones. I’m sure I’ve read on here that even after valuation etc they still want to see the latest ones before they release funds!

Kb21

vicki_w83 said:

Fountains_27 said:

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

He uploads them onto the portal so when someone was reviewing it they were there instead of the delay around asking. Our MA has been amazing though and seems to work with Bluestone a lot so knows the process. I’d ask yours to upload them throughout as you know they’re going to want the latest ones. I’m sure I’ve read on here that even after valuation etc they still want to see the latest ones before they release funds!

Yes i agree my MA loads them onto my portal to so there’s no time wasted. I only send my bank statements monthly. It just saves time and delays 

Fountains_27

vicki_w83 said:

Fountains_27 said:

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

He uploads them onto the portal so when someone was reviewing it they were there instead of the delay around asking. Our MA has been amazing though and seems to work with Bluestone a lot so knows the process. I’d ask yours to upload them throughout as you know they’re going to want the latest ones. I’m sure I’ve read on here that even after valuation etc they still want to see the latest ones before they release funds!

Do you get to see the portal? I have no access to anything Bluestone . I need to speak to my MA now!!!!

MovingForwards

Fountains_27 said:

vicki_w83 said:

Fountains_27 said:

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

He uploads them onto the portal so when someone was reviewing it they were there instead of the delay around asking. Our MA has been amazing though and seems to work with Bluestone a lot so knows the process. I’d ask yours to upload them throughout as you know they’re going to want the latest ones. I’m sure I’ve read on here that even after valuation etc they still want to see the latest ones before they release funds!

Do you get to see the portal? I have no access to anything Bluestone . I need to speak to my MA now!!!!

No, only the MA has access to it.

Fountains_27

MovingForwards said:

Fountains_27 said:

vicki_w83 said:

Fountains_27 said:

@vicki_w83 , Did your MA latest bank statement to them without asking or he keeps it with himself till they ask?

 My MA keep saying dont he wont send what is not requested.

 I had to forcefully send him my Bank statement for last month and payslips but he only kept them till they ask which to me is not being proactive especially when he could have added these to the docs requested 

He uploads them onto the portal so when someone was reviewing it they were there instead of the delay around asking. Our MA has been amazing though and seems to work with Bluestone a lot so knows the process. I’d ask yours to upload them throughout as you know they’re going to want the latest ones. I’m sure I’ve read on here that even after valuation etc they still want to see the latest ones before they release funds!

Do you get to see the portal? I have no access to anything Bluestone . I need to speak to my MA now!!!!

No, only the MA has access to it.

Oh ok, thanks👍