Bluestone Mortgages

pretzel12

lewis27 said:

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

HTB Agent 3 is 15 working days currently! 

ojh2112

ojh2112 said:

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?

Anyone else waited this long? 

mortgagetakingages

ojh2112 said:

ojh2112 said:

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?

Anyone else waited this long? 

General rule is 10 days on each phase so you are not that far off. 

newhomme20206

ojh2112 said:

ojh2112 said:

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?

Anyone else waited this long? 

We did! Then it all came through at once! Honestly I know it feels like a life time but you will get there ☺️

mortgagetakingages

Valuation has come back correct, sent through August bank statements to preempt the ask.... and the wait continues!

ojh2112

newhomme20206 said:

ojh2112 said:

ojh2112 said:

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?

Anyone else waited this long? 

We did! Then it all came through at once! Honestly I know it feels like a life time but you will get there ☺️

How long after going into underwriter stage did valuation happen? Can they still decline app after valuation? 

lewis27

All your docs will have been checked now and classed as acceptable.. despite what the website says it’s only had the most basic of underwrites  done at this point and they are happy with all credit issues you have ... it’s senior underwrite is now being done .. the only thing that can really go wrong is affordability .. they go through statements and debts with a microscope now to make sure it’s affordable .. broker told us we are well in but turns out we aren’t quite and it’s been knocked back with a list off issues .. so I don’t think it can actually be declined at this point as such , but they can ask you to pay of certain things if they deem it needed .. so all depends if you can afford to do that if it should happen .. 

ojh2112

lewis27 said:

All your docs will have been checked now and classed as acceptable.. despite what the website says it’s only had the most basic of underwrites  done at this point and they are happy with all credit issues you have ... it’s senior underwrite is now being done .. the only thing that can really go wrong is affordability .. they go through statements and debts with a microscope now to make sure it’s affordable .. broker told us we are well in but turns out we aren’t quite and it’s been knocked back with a list off issues .. so I don’t think it can actually be declined at this point as such , but they can ask you to pay of certain things if they deem it needed .. so all depends if you can afford to do that if it should happen .. 

so stressful 🙄 and our Remortgage is to consolidate debt so we not really in a position to clear it prior to loan if you know what I mean? We’re paying more now With all our individual payments to creditors car finance etc than what we would be paying to them monthly so can’t see that this would be something that would apply to us ????

Em1987

Hi All, 
Our broker called to say morgage offer accepted, Its on a portal but we are due to receive a hard copy in the post, still not received and its been a week (taking into consideration the bank holiday).... Does it normally take a while to receive? 

mortgagetakingages

Em1987 said:

Hi All, 
Our broker called to say morgage offer accepted, Its on a portal but we are due to receive a hard copy in the post, still not received and its been a week (taking into consideration the bank holiday).... Does it normally take a while to receive? 

It was said that it wouldn't come through post and they do everything online. You should have recieved an email.