Bluestone Mortgages

MovingForwards

vicki_w83 said:

MovingForwards said:

vicki_w83 said:

A bit off topic but looking for some advice. Our valuation is booked in for next week and we have a survey being done next week too. The estate agents seem confused and said it’s unusual to have both a valuation and a survey as anything major would be flagged up in the valuation? This is my first house buy and I thought we’d need both but I don’t want to waste money if it’s unnecessary! 

Valuation = value of property
Survey = condition of property

Did you not upgrade your valuation to a home buyers report or full survey?

No, we had already booked in a homebuyers report with an independent company which I thought was the right thing to do. It’s just the estate agent making us doubt that now

Just carry on as you are and wait for both reports.

c249401

Kb21 said:

We hit another snag this afternoon after MA initially said just one form was needed 😩😩 this is never ending 

What’s happened now? 

Kb21

c249401 said:

Kb21 said:

We hit another snag this afternoon after MA initially said just one form was needed 😩😩 this is never ending 

What’s happened now? 

Thought all was ok after the underwriters spoke to MA’S employee we just needed a declaration form signed.... them bam turns out no they have asked for another load of stuff.... overview for my husbands tax return (my fault as i send wrong one) another copy of a dmp in place they have misplaced it and cannot find it, they failed to realise we had savings we were using towards deposit so questioned why it was short, questioned some banks transactions. 12 bloody days waiting again 🥺 i really feel like giving up now 

pipsinbrum

@kb21 nooooo your joking?!

disneydreamer1985

Hi everyone  

We have had our MIP with Simply since March and found a property last week and had an offer accepted yesterday. 

What happens next? What will they ask for? What sort of things can they question?

I’m terrified it will all go wrong and we will lose our house (pessimist here).

Kb21

pipsinbrum said:

@kb21 nooooo your joking?!

I wish 😭😭🥺

c249401

Kb21 said:

c249401 said:

Kb21 said:

We hit another snag this afternoon after MA initially said just one form was needed 😩😩 this is never ending 

What’s happened now? 

Thought all was ok after the underwriters spoke to MA’S employee we just needed a declaration form signed.... them bam turns out no they have asked for another load of stuff.... overview for my husbands tax return (my fault as i send wrong one) another copy of a dmp in place they have misplaced it and cannot find it, they failed to realise we had savings we were using towards deposit so questioned why it was short, questioned some banks transactions. 12 bloody days waiting again 🥺 i really feel like giving up now 

Oh no! It might not be 12 days, there was someone on here that thought they’d have to wait 12 days but ended up getting their offer the next week! 

Hopefully!

Kb21

c249401 said:

Kb21 said:

c249401 said:

Kb21 said:

We hit another snag this afternoon after MA initially said just one form was needed 😩😩 this is never ending 

What’s happened now? 

Thought all was ok after the underwriters spoke to MA’S employee we just needed a declaration form signed.... them bam turns out no they have asked for another load of stuff.... overview for my husbands tax return (my fault as i send wrong one) another copy of a dmp in place they have misplaced it and cannot find it, they failed to realise we had savings we were using towards deposit so questioned why it was short, questioned some banks transactions. 12 bloody days waiting again 🥺 i really feel like giving up now 

Oh no! It might not be 12 days, there was someone on here that thought they’d have to wait 12 days but ended up getting their offer the next week! 

Hopefully!

I really really hope so’s I feel so deflated 

peanutbuter

Kb21 said:

c249401 said:

Kb21 said:

c249401 said:

Kb21 said:

We hit another snag this afternoon after MA initially said just one form was needed 😩😩 this is never ending 

What’s happened now? 

Thought all was ok after the underwriters spoke to MA’S employee we just needed a declaration form signed.... them bam turns out no they have asked for another load of stuff.... overview for my husbands tax return (my fault as i send wrong one) another copy of a dmp in place they have misplaced it and cannot find it, they failed to realise we had savings we were using towards deposit so questioned why it was short, questioned some banks transactions. 12 bloody days waiting again 🥺 i really feel like giving up now 

Oh no! It might not be 12 days, there was someone on here that thought they’d have to wait 12 days but ended up getting their offer the next week! 

Hopefully!

I really really hope so’s I feel so deflated 

Exactly the same as us.  Our 12 working days is a week today !  Only another week to go before who knows ?  Will they won’t they ask for more ????  😩 🤦

Cosy2020

Annonymoushousebuyer2021 said:

We have an offer, however now we have an issue with the help to buy. We have the old scheme in place which has been extended until May. Bluestone want us to have the new scheme and use that, we don't understand why? Everything is already in place to complete and exchange and now this 😔

Oh that’s not good, we’re looking to apply soon and using the old Help To Buy as well. Where we are, this help to buy scheme ended in April for applications and will pay out the 20% as long as the house is completed by 31st December. 

Keep us updated with your progress!