Bluestone Mortgages

_AandL_

Jen271626 said:

_AandL_ said:

Foreverwaiting123 said:

_AandL_ said:

Anyone on here taken out a credit card after mortgage offer but before completion? My partner has taken out a small amount credit card, needless to say I’m fuming! Anyone had any experience with this?

My MA said don’t do that cos bluestone sometimes run a final credit check before the release the money. I’ve had to increase my deposit so chances are I’ll have to use my cards to cover some expenses like moving and the new furniture I need but not until the keys are in my hand! X

I was expecting them to run a final check. I’m so worried that we’ll lose our offer before completion. We may even have to extend so there’ll  definitely be a credit check. I hope he hasn’t screwed it up for us!

Nightmare, hope they dont do a credit check and things go well for you. 

Do you think they’ll pull the offer if they credit check? We had so a hassle getting a mortgage in the first place!

_AandL_

Foreverwaiting123 said:

@_AandL_ I imagine he’s in the dog house now. What was he thinking ? Was the previous adverse credit his? Hope things still go ahead for you as planned. Got everything crossed for you 

We both had the adverse. He thought it would be ok because it’s just a small amount 🤷‍♀️

nhsrelocation

I know it’s a case of how long is a piece of string but how long does it usually take from offer to completion if all searches are back. Still waiting for our offer to come through the post

Cosy2020

_AandL_ said:

Foreverwaiting123 said:

@_AandL_ I imagine he’s in the dog house now. What was he thinking ? Was the previous adverse credit his? Hope things still go ahead for you as planned. Got everything crossed for you 

We both had the adverse. He thought it would be ok because it’s just a small amount 🤷‍♀️

It’s all based on affordability so if it’s a small amount then you should be okay. If they do a credit check they might ask your MA what the new credit is. You’ll probably be fine and it will all go through no problems but maybe make your MA aware just in case. 

Kb21

nhsrelocation said:

I know it’s a case of how long is a piece of string but how long does it usually take from offer to completion if all searches are back. Still waiting for our offer to come through the post

We had our offer middle of May and completing Friday. There’s still work solicitors will have to do eg look and sort special condition on offer, if your have giftors they need to get a independent solicitor to chat go them, 
Bluestone  need 5 working days to release funds, u need to do a pre completion phone call with them, and we needed to sign a new deeds form as bluestones have changed it. 

But every case is different so I suppose it really is just a waiting game 

c249401

Kb21 said:

nhsrelocation said:

I know it’s a case of how long is a piece of string but how long does it usually take from offer to completion if all searches are back. Still waiting for our offer to come through the post

We had our offer middle of May and completing Friday. There’s still work solicitors will have to do eg look and sort special condition on offer, if your have giftors they need to get a independent solicitor to chat go them, 
Bluestone  need 5 working days to release funds, u need to do a pre completion phone call with them, and we needed to sign a new deeds form as bluestones have changed it. 

But every case is different so I suppose it really is just a waiting game 

Out of interest what does the pre completion phone call include? 

Kb21

c249401 said:

Kb21 said:

nhsrelocation said:

I know it’s a case of how long is a piece of string but how long does it usually take from offer to completion if all searches are back. Still waiting for our offer to come through the post

We had our offer middle of May and completing Friday. There’s still work solicitors will have to do eg look and sort special condition on offer, if your have giftors they need to get a independent solicitor to chat go them, 
Bluestone  need 5 working days to release funds, u need to do a pre completion phone call with them, and we needed to sign a new deeds form as bluestones have changed it. 

But every case is different so I suppose it really is just a waiting game 

Out of interest what does the pre completion phone call include? 

They just tell u the last min Info about payment, your direct debit payments, first payment (as it nearly double) 

Cosy2020

Keeping my fingers crossed that someone gets an update or some good news today! 

Jen271626

I'm so irritable with it all now. Just feels like il never hear anything positive. So fed up waiting for the phone to ring with news or any kind of update. Im almost wishing it was 5 years id applied for cause I can't be arsed with all this again in only two years. 

Foreverwaiting123

Well they’re now working fully packaged cases from the 21st and they’re processing within 12 days now instead of the 13 so it’s a good sign I hope