Bluestone Mortgages

Jen271626

Congrats Coral, so good hearing people getting offers 🥳🥂

coral_a

Nedsawaiting said:

coral_a said:

We got our offer 🍾🎉🎉🎊🎊🍾🍾🍾🥂 

Fantastic news!!! 🥂🍾🏠🎉xxxx

Thank you  

Kb21

coral_a said:

Kb21 said:

coral_a said:

We got our offer 🍾🎉🎉🎊🎊🍾🍾🍾🥂 

Omg yes yes yes so so happy for u 🍾🍾🥂

Thank you!!! Your posts have helped a lot over the last few months! 

Awww glad they helped. Honestly I know exactly how everyone is feeling it’s such a scary, anxious time but it’s such a fab feeling when you get there, We have been in the new house 5 days now and it still doesn’t feel real after 7.5 years of renting. 

I wish u all the happiness in your new home. 

One more bit of advice push the solicitors as much as u can cos they will drag it out as much as possible. We demanded our date in the end. Don’t be scared you are paying them xx

Fingerscrossed16

coral_a said:

Fingerscrossed16 said:

coral_a said:

Fingerscrossed16 said:

coral_a said:

We got our offer 🍾🎉🎉🎊🎊🍾🍾🍾🥂 

Excellent news! Pleased for you

Thank you! Think I’m still in shock lol

I bet, you’ve got there now only one last hurdle (minus the pressure though) 
hoping I hear something this week, heard yesterday the valuation was fine, but no offer as yet

I was told yesterday valuation was all good so fingers crossed you’ll hear something soon 🤞🏻

Do you get an email with it or just verbal and then post?

Fingerscrossed16

Foreverwaiting123 said:

I paid for my valuation April 1st. Any idea if I will be told before it’s done? Are people still having desktop ones (hope so as they’re cheaper) 

Mine too was physical I know as I live in the house we’re hoping to buy.

coral_a

Jen271626 said:

Congrats Coral, so good hearing people getting offers 🥳🥂

Thank you 😃

coral_a

Fingerscrossed16 said:

coral_a said:

Fingerscrossed16 said:

coral_a said:

Fingerscrossed16 said:

coral_a said:

We got our offer 🍾🎉🎉🎊🎊🍾🍾🍾🥂 

Excellent news! Pleased for you

Thank you! Think I’m still in shock lol

I bet, you’ve got there now only one last hurdle (minus the pressure though) 
hoping I hear something this week, heard yesterday the valuation was fine, but no offer as yet

I was told yesterday valuation was all good so fingers crossed you’ll hear something soon 🤞🏻

Do you get an email with it or just verbal and then post?

Everything has been verbal so far, from Bluestone to my MA. She’s been fab keeping me updated 

Sevendoorsdown

Hi all 

I've been following for quite some time silently because it's been such a bumpy ride for us. 

Dip : 30th April
Numerous documents handed over as expected but this Dip was just in my husbands name as I am almost 3 years after DRO (4/8) and I didn't have over 1 year of books (self employed) 

Bluestone asked for gifted deposit form to be signed etc by my mother as some of the deposit is gifted (got a solicitor to say where the money was coming from as he's dealing with my late grandmother's estate)

Radio silence for 3 weeks then requested some more information.

21/5 bluestone demanded that I was to go onto the mortgage aswell because I was paying the majority of the deposit from inheritance. Even though I was also asked to sign a form of declaration they then changed their mind! 

24/5  DIP NUMBER 2! (In both our names) 

Bluestone raised the interest rate from 4.29% to 7.94% even though we have 25% deposit and a healthy income (the issue is my Dro though) and said that it would need to be done 'in-house' rather than with a packager because there would be a clause that we can not complete until 4/8 due to dro. 

27/5 fully submitted 

3/6 asked for more recent bank statements as so much time had passed. Also asked for court papers to say my DRO was discharged in 2018.

Our broker told us 6/6 it's with underwriters and if they don't need anything else they'll instruct the valuation. 

I'm losing the will at the moment because they said me not being on the mortgage was OK (I've also read others in similar situations) and to have me sign all the papers and then change their mind was just a massive blow! Keeping optimistic because it's all I have left 😂

coral_a

Our timeline incase it’s useful to anyone: 
DIP 15/03
app with packager 26/03
app to Bluestone & valuation paid 09/04
additional documents requested 13/04
additional documents requested 27/05
valuation instructed 04/06
valuation 11/06
offer 🎉 15/06

46 working days from submitting to Bluestone to offer and NO hard search for either me or partner! I obsessed about that for weeks lol

Foreverwaiting123

@Sevendoorsdown I always thought if you were married it had to be joint x