Bluestone Mortgages

Clair1985lou

Can anyone help? I was offered a DIP by bluestone but my deposit is completely gifted albeit relatively large sum. My bank statement are shocking the past few months as I've been spending a lot due to helping out my dad whilst sick, he's fine now but I'm considering renting for a few months to clear up my accounts before going through with a full mortgage due to the erratic spending not looking good. I'm also worried about my deposit being gifted any advice? 

Kb21

MovingForwards said:

Kb21 said:

MovingForwards said:

Kb21 said:

Our dip 24th feb, application 9th March, underwriters came back this week with a load more requests and now we may have to back out due to my mother in law having no photo id... she’s 81 never driven and her passport expired in 2015, they won’t expect her bus pas (which has a photo on) so we are well and truly stuck. 

Explain this and ask them what they would accept as alternative ID. She will receive annual letters for her state pension and other pensions, plus bills, bank statements etc.

We have They already have 2 utility bills, 2 bank statements, bus pass etc don’t except any of it. 

But have you asked what they will accept as your MIL doesn't have the standard ID they're asking for. That is something your broker should be finding out for you.

They are being so awkward. MA is baffled tbh. Just hope they accept this cheque and matching bank statement. Everyone keep your fingers crossed.ill let you know 

Kb21

Clair1985lou said:

Can anyone help? I was offered a DIP by bluestone but my deposit is completely gifted albeit relatively large sum. My bank statement are shocking the past few months as I've been spending a lot due to helping out my dad whilst sick, he's fine now but I'm considering renting for a few months to clear up my accounts before going through with a full mortgage due to the erratic spending not looking good. I'm also worried about my deposit being gifted any advice? 

U can only have a gifted deposit by a family member . We have a large deposit being gifted by my mother in law and it’s causing lots of problems atm 

Clair1985lou

Kb21 said:

Clair1985lou said:

Can anyone help? I was offered a DIP by bluestone but my deposit is completely gifted albeit relatively large sum. My bank statement are shocking the past few months as I've been spending a lot due to helping out my dad whilst sick, he's fine now but I'm considering renting for a few months to clear up my accounts before going through with a full mortgage due to the erratic spending not looking good. I'm also worried about my deposit being gifted any advice? 

U can only have a gifted deposit by a family member . We have a large deposit being gifted by my mother in law and it’s causing lots of problems atm 

It's from my aunt? 

c249401

Clair1985lou said:

Kb21 said:

Clair1985lou said:

Can anyone help? I was offered a DIP by bluestone but my deposit is completely gifted albeit relatively large sum. My bank statement are shocking the past few months as I've been spending a lot due to helping out my dad whilst sick, he's fine now but I'm considering renting for a few months to clear up my accounts before going through with a full mortgage due to the erratic spending not looking good. I'm also worried about my deposit being gifted any advice? 

U can only have a gifted deposit by a family member . We have a large deposit being gifted by my mother in law and it’s causing lots of problems atm 

It's from my aunt? 

I think that’s fine, it says in their product guide a close family member is defined as a parent, child, grandparent, brother, sister, aunt, uncle, foster parent or legal guardian 😊. 

We have a full gifted deposit from my mum and have just had to provide her ID, gifted deposit letter stating she has no interest in the property and that it’s not a loan, and also a bank statement. 

Kb21

Clair1985lou said:

Kb21 said:

Clair1985lou said:

Can anyone help? I was offered a DIP by bluestone but my deposit is completely gifted albeit relatively large sum. My bank statement are shocking the past few months as I've been spending a lot due to helping out my dad whilst sick, he's fine now but I'm considering renting for a few months to clear up my accounts before going through with a full mortgage due to the erratic spending not looking good. I'm also worried about my deposit being gifted any advice? 

U can only have a gifted deposit by a family member . We have a large deposit being gifted by my mother in law and it’s causing lots of problems atm 

It's from my aunt? 

That will be fine. They will need to sign a giftors form and prove the moneys in a account and provide id, bank stantement 

Kb21

Just noticed hard search  been carried out on the 9th April  

remummy

Another weekend of waiting 😌 

Kb21

remummy said:

Another weekend of waiting 😌 

Yep. Painful isn’t it 

Fesully84

Now been passed to an underwriter. So where has it been for 7 weeks before then? I dont get the process!