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Bluestone Mortgages
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It’s just getting ridiculous. I would understand if it was in our control but it’s not.Jen271626 said:Also its a bit unfair that just because the person before you fell through you are now getting hassle. Are they seriously going to pull out and go again for the third time and not expect their own vendor to get fed up with them and remarket. They are at it 100%I would love to give her a piece of my mind but I’ve got to keep my gob shut.0 -
This actually gives me hope.Sevendoorsdown said:
It's been like getting blood from a stone from our broker. He didn't even tell us we were with underwriters until they asked for more documents. We don't have a packager so it's just him and bluestone which is frustrating when he's our only source of information.HS1234 said:
It’s getting so stressful due to the estate agents pestering every week.Sevendoorsdown said:HS1234 said:How long has it taken you guys for it to get to the underwriter stage?
Ours took 12 days from fully submitted but they have asked for more documents before and after underwriting stage and we haven't had a valuation as of yet. They seem to be picking up since reducing their LTV to 75% so hopefully not long for you 🤞Wow 12 days that’s amazing.We submitted on the 28th May.Sent over P60’s on 5th, printed and signed declaration on the 11th. Then they asked for more than 3 months worth bank statements from me (the one with no defaults) 🙈 did that on the 17th and proof of deposit again on Wednesday.
We were fully submitted 27/5 so you won't be far behind I'm sure! 🙂We aren’t with a packager either it’s just a MA from we are money which I randomly found online. I can’t really complain about her as I text her everyday for an update and she probably hates me.Have you booked your valuation in?0 -
It's the best way to be with your MA... We were too laid back at first and funnily enough when we started to apply pressure we got answers from broker.HS1234 said:
This actually gives me hope.Sevendoorsdown said:
It's been like getting blood from a stone from our broker. He didn't even tell us we were with underwriters until they asked for more documents. We don't have a packager so it's just him and bluestone which is frustrating when he's our only source of information.HS1234 said:
It’s getting so stressful due to the estate agents pestering every week.Sevendoorsdown said:HS1234 said:How long has it taken you guys for it to get to the underwriter stage?
Ours took 12 days from fully submitted but they have asked for more documents before and after underwriting stage and we haven't had a valuation as of yet. They seem to be picking up since reducing their LTV to 75% so hopefully not long for you 🤞Wow 12 days that’s amazing.We submitted on the 28th May.Sent over P60’s on 5th, printed and signed declaration on the 11th. Then they asked for more than 3 months worth bank statements from me (the one with no defaults) 🙈 did that on the 17th and proof of deposit again on Wednesday.
We were fully submitted 27/5 so you won't be far behind I'm sure! 🙂We aren’t with a packager either it’s just a MA from we are money which I randomly found online. I can’t really complain about her as I text her everyday for an update and she probably hates me.Have you booked your valuation in?
No we haven't booked valuation. No update as of today but no news is good news as they say!
It's all so stressful but will be so worth it for everyone on here in the long run.0 -
I think they’re all under pressure as it’s the stamp duty deadline next week.Sevendoorsdown said:
It's the best way to be with your MA... We were too laid back at first and funnily enough when we started to apply pressure we got answers from broker.HS1234 said:
This actually gives me hope.Sevendoorsdown said:
It's been like getting blood from a stone from our broker. He didn't even tell us we were with underwriters until they asked for more documents. We don't have a packager so it's just him and bluestone which is frustrating when he's our only source of information.HS1234 said:
It’s getting so stressful due to the estate agents pestering every week.Sevendoorsdown said:HS1234 said:How long has it taken you guys for it to get to the underwriter stage?
Ours took 12 days from fully submitted but they have asked for more documents before and after underwriting stage and we haven't had a valuation as of yet. They seem to be picking up since reducing their LTV to 75% so hopefully not long for you 🤞Wow 12 days that’s amazing.We submitted on the 28th May.Sent over P60’s on 5th, printed and signed declaration on the 11th. Then they asked for more than 3 months worth bank statements from me (the one with no defaults) 🙈 did that on the 17th and proof of deposit again on Wednesday.
We were fully submitted 27/5 so you won't be far behind I'm sure! 🙂We aren’t with a packager either it’s just a MA from we are money which I randomly found online. I can’t really complain about her as I text her everyday for an update and she probably hates me.Have you booked your valuation in?
No we haven't booked valuation. No update as of today but no news is good news as they say!
It's all so stressful but will be so worth it for everyone on here in the long run.Let’s hope there will be good news next week.1 -
Just got a text message from my MA to say she has received an email to say we are at the underwriter stage 💃🏻 I can finally say we are getting somewhere.0
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I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th MayHS1234 said:
Broker then came back on 17th and asked for further stuff and said "the lender has asked for"
After that I'd message saying any updates once a week and got nothing. Sometimes no reply at all.
Beginning of June I asked if we could submit the home report to save the valuation being done and save us money. He replied hed submit it and if they accepted we'd be refunded the fees.
Contacted him by WhatsApp and call 11th June for an update and heard nothing.
14th June my solicitor communicated to ask when the application was submitted and where we were at. He messaged me a few hours later and the solicitor that the lender said it was in a queue and its next review was 29th June. And it was submitted 24th May 😱 not heard a thing since.0 -
What the actual F. Why do they do that?Jen271626 said:
I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th MayHS1234 said:
Broker then came back on 17th and asked for further stuff and said "the lender has asked for"
After that I'd message saying any updates once a week and got nothing. Sometimes no reply at all.
Beginning of June I asked if we could submit the home report to save the valuation being done and save us money. He replied hed submit it and if they accepted we'd be refunded the fees.
Contacted him by WhatsApp and call 11th June for an update and heard nothing.
14th June my solicitor communicated to ask when the application was submitted and where we were at. He messaged me a few hours later and the solicitor that the lender said it was in a queue and its next review was 29th June. And it was submitted 24th May 😱 not heard a thing since.Speaking from my own experience, we didn’t submit everything full until we had all payslips and all bank statements.
Realistically you should be ahead of us and at the underwriter/ valuation stage. Hang in there not long left now hopefully.Have you had your valuation yet? Sorry I’m probably asking the same question 100 times. My brain is like a sieve.0 -
We are in Scotland so have submitted the home report and if they accept that they wont need to do the valuation. Whether its even been looked at, or at that stage - your guess is as good as mine. The lack of transparency in this process, for me, has been shockingly bad.HS1234 said:
What the actual F. Why do they do that?Jen271626 said:
I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th MayHS1234 said:
Broker then came back on 17th and asked for further stuff and said "the lender has asked for"
After that I'd message saying any updates once a week and got nothing. Sometimes no reply at all.
Beginning of June I asked if we could submit the home report to save the valuation being done and save us money. He replied hed submit it and if they accepted we'd be refunded the fees.
Contacted him by WhatsApp and call 11th June for an update and heard nothing.
14th June my solicitor communicated to ask when the application was submitted and where we were at. He messaged me a few hours later and the solicitor that the lender said it was in a queue and its next review was 29th June. And it was submitted 24th May 😱 not heard a thing since.Speaking from my own experience, we didn’t submit everything full until we had all payslips and all bank statements.
Realistically you should be ahead of us and at the underwriter/ valuation stage. Hang in there not long left now hopefully.Have you had your valuation yet? Sorry I’m probably asking the same question 100 times. My brain is like a sieve.0 -
Fingers crossed for you. You will have some news next week hopefully and they accept the home valuation report.Jen271626 said:
We are in Scotland so have submitted the home report and if they accept that they wont need to do the valuation. Whether its even been looked at, or at that stage - your guess is as good as mine. The lack of transparency in this process, for me, has been shockingly bad.HS1234 said:
What the actual F. Why do they do that?Jen271626 said:
I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th MayHS1234 said:
Broker then came back on 17th and asked for further stuff and said "the lender has asked for"
After that I'd message saying any updates once a week and got nothing. Sometimes no reply at all.
Beginning of June I asked if we could submit the home report to save the valuation being done and save us money. He replied hed submit it and if they accepted we'd be refunded the fees.
Contacted him by WhatsApp and call 11th June for an update and heard nothing.
14th June my solicitor communicated to ask when the application was submitted and where we were at. He messaged me a few hours later and the solicitor that the lender said it was in a queue and its next review was 29th June. And it was submitted 24th May 😱 not heard a thing since.Speaking from my own experience, we didn’t submit everything full until we had all payslips and all bank statements.
Realistically you should be ahead of us and at the underwriter/ valuation stage. Hang in there not long left now hopefully.Have you had your valuation yet? Sorry I’m probably asking the same question 100 times. My brain is like a sieve.From the posts I’ve seen on here, I think the house valuation reports are accepted.0
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