Bluestone Mortgages

Newheight13

We had a mortgage offer today with no conditions  

Newheight13

48 hours until we revive it in written for those asking. 

Kb21

Wow lots of offers today. Congratulations everyone. All the waiting does pay off 

coral_a

Foreverwaiting123 said:

Those of you who have just had offers are there any special conditions? Ie increase deposit or reduce outgoings etc 

We had a big deposit and affordability was fine. I own another house with my ex which I can’t sell or get out of so that was one of the things that held us up but because our affordability was ok even taking that into account it was ok. We were however offered 5 years fixed instead of 2 but we were ok with that. Some of our deposit is gifted so I’m expecting the legal requirements everyone else has had for that.

coral_a

Newheight13 said:

We had a mortgage offer today with no conditions  

Congratulations 🎉🍾 best feeling ever! 

Kb21

Foreverwaiting123 said:

Those of you who have just had offers are there any special conditions? Ie increase deposit or reduce outgoings etc 

We had a few conditions mainly down to solicitors but we had our girftor to seek independent legal advice regarding gifting, 

Kb21

@Foreverwaiting123 but nothing about affordability or rates we were fixed for 2 years but did have a £65,000 depot on a £170,000 house 

Foreverwaiting123

My house is only 75000 and I’m putting 15000 in so it’s not a large mortgage. Single parent though 

Kb21

Foreverwaiting123 said:

My house is only 75000 and I’m putting 15000 in so it’s not a large mortgage. Single parent though 

U should be fine. 

Fingerscrossed16

Thanks all
Timeline
DIP 05/05
full application 11/05
question asked 12/05
valuation instructed 02/06
valuation done 10/06
offer 15/06 
no hard search showing on exp report as yet