Bluestone Mortgages

mortgagetakingages

Lucas2018 said:

Do you think 8 months is long enough? I have sent them wage slips that show a consistent wage from block booked shifts. I haven’t had any feedback it’s so frustrating. My agency has also confirmed the shifts will be long term so sent my mortgage advisor that to. She told me her other clients declined over something very trivial and silly so it’s made me think mine is def a refusal as she seems to be indicating that’s the way it’s going without telling me straight out.  If they not accepting the 8 months ( wish they decided this at DIP point though and not this far gone 😒) then surely it’s just a refusal now?  Wish I could discuss with Bluestone directly 

I think you just need to be patient. They are not playing games with you as they are in the business of giving Mortgages for profit. If they don't want to lend they wouldn't waste any more time than they have to. 

Your MA seems a tad inexperienced and bitter for some reason! Just give it time.

ojh2112

I’ve spoken to our mortgage Adviser today who said that our application still hasn’t been looked at by underwriters 🙄🙄🙄🙄 he told us it was with underwriters on 26/8 and still not looked at it?

fingerscrossed7

Our solicitor has been waiting for a simple email confirmation regarding one of the conditions on our offer for 3 weeks! Everyday we get told it'll be tomorrow and tomorrow never comes. They seem to be super slow at the moment with everything.  

ojh2112

fingerscrossed7 said:

Our solicitor has been waiting for a simple email confirmation regarding one of the conditions on our offer for 3 weeks! Everyday we get told it'll be tomorrow and tomorrow never comes. They seem to be super slow at the moment with everything.  

It’s very stressful waiting around isn’t it ? At least you’ve had offer 🙄

mortgagetakingages

Our valuation was done today. Waiting to hear back on that. No idea how long that will be!

ojh2112

mortgagetakingages said:

Our valuation was done today. Waiting to hear back on that. No idea how long that will be!

That’s a positive 👍

pretzel12

Does anyone know if Bluestone needs the ATP from HTB before the offer is issued? 

lewis27

Yes they do , but ATP only takes 4 working days to come through once broker requested it 

lewis27

Does anybody know if bluestone will produce a conditional offer ? They have come back and said if we wait until November until a CCJ has dropped of my file we will get a better rate .. but I want a physical offer ensuring this before I agree to it .. where in the process of asking the question but got to wait a few days for a response and I’m being impatient .. 

mortgagetakingages

lewis27 said:

Yes they do , but ATP only takes 4 working days to come through once broker requested it 

More like 10 days currently