Bluestone Mortgages

Lawofattraction9

I’ve been following this thread for a while now and wanted to give some insight in to our journey to being homeowners.

 Full application went in 22/4 then it went to the case handlers (the longest part of the process and including a bank holiday weekend) by the 4th of May  it was with the underwriter who came back with a request for a couple of documents and a few minor questions within 24 hours.

They instructed the valuation on the 12th, done on the 18th, offer 21st (this was the Friday) . Offer was with solicitor on the Monday and we got the keys to our new house on the 4th of June. Hang in there guys, they do come through in the end. Our broker was fantastic and made sure that we submitted what felt like a million documents in at the start so that in his words “we don’t lose 2 or 3 days  each time going back and forth”. To be fair on bluestone, we could have moved quicker at the valuation phase and also had a bit of a delay getting a couple of bits of paperwork at the latter stages that potentially held up the process by a few days. We are also in Scotland and not part of a chain so that accounts for getting the keys so quickly. I just wanted to let you know that it does happen for people and it will happen for you. I got myself so stressed during the process and was prepared for a long list of document requests and delays but really we got the offer weeks quicker than I had been expecting and with barely any additional queries. It sounds so cheesy but I feel like my dream has come true sitting here now. Good luck to everyone, I know how you feel, you will get there. 

Jen271626

Lawofattraction9 said:

I’ve been following this thread for a while now and wanted to give some insight in to our journey to being homeowners.

 Full application went in 22/4 then it went to the case handlers (the longest part of the process and including a bank holiday weekend) by the 4th of May  it was with the underwriter who came back with a request for a couple of documents and a few minor questions within 24 hours.

They instructed the valuation on the 12th, done on the 18th, offer 21st (this was the Friday) . Offer was with solicitor on the Monday and we got the keys to our new house on the 4th of June. Hang in there guys, they do come through in the end. Our broker was fantastic and made sure that we submitted what felt like a million documents in at the start so that in his words “we don’t lose 2 or 3 days  each time going back and forth”. To be fair on bluestone, we could have moved quicker at the valuation phase and also had a bit of a delay getting a couple of bits of paperwork at the latter stages that potentially held up the process by a few days. We are also in Scotland and not part of a chain so that accounts for getting the keys so quickly. I just wanted to let you know that it does happen for people and it will happen for you. I got myself so stressed during the process and was prepared for a long list of document requests and delays but really we got the offer weeks quicker than I had been expecting and with barely any additional queries. It sounds so cheesy but I feel like my dream has come true sitting here now. Good luck to everyone, I know how you feel, you will get there. 

Congrats, was it a new build you bought? 

Foreverwaiting123

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

HS1234

Foreverwaiting123 said:

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

Hopefully it will be good news. When did you apply? 

Foreverwaiting123

HS1234 said:

Foreverwaiting123 said:

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

Hopefully it will be good news. When did you apply? 

End of March xx

Jen271626

Foreverwaiting123 said:

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

Why so long when its only the 14th and you applied so long ago? I'm so confused why some people are getting decisions so quickly and others are waiting so long. 

Iv had another day of radio silence.

HS1234

Foreverwaiting123 said:

HS1234 said:

Foreverwaiting123 said:

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

Hopefully it will be good news. When did you apply? 

End of March xx

Oh wow that is a long time. Why are they making you wait u too the end of this month surely 3 months is a bit much. I don’t know how you’ve held it together it would’ve driven me mad. 

disneydreamer1985

Foreverwaiting123 said:

I’ve had an update. My decision will be made by end of the month. Fingers crossed 🤞 it’s an offer 

Why are they making you wait? 

coral_a

Just had an update, Bluestone happy with valuation so we just waiting on final underwriters checks…. Please let this be almost at the finish line 🤞🏻🤞🏻 

homeownerdreams

how are those of you using help to buy getting on please? Just looking for some comparison really!