Bluestone Mortgages

Jen271626

HS1234 said:

Jen271626 said:

HS1234 said:

Jen271626 said:

HS1234 said:

Jen271626 said:

HS1234 said:

How long has it taken you guys for it to get to the underwriter stage? 

I can't help you I have honestly been given no info at all once about where we are in the process. 

😔 you must be as frustrated as I am. What’s your time line so far? 

I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th May

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. 

What the actual F. Why do they do that? 

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. 

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. 

Fingers crossed for you. You will have some news next week hopefully and they accept the home valuation report. 

From the posts I’ve seen on here, I think the house valuation reports are accepted. 

I think it depends on the surveyor but ours was Shepherds who are pretty big so should be fine. It was done in February though when this process started so only issue may be they want it updated. I really hope I know some good news before next Friday as its my sisters hen weekend and I just want to be able to relax, be carefree and not be a pure mortgage bore 🤣

HS1234

Jen271626 said:

HS1234 said:

Jen271626 said:

HS1234 said:

Jen271626 said:

HS1234 said:

Jen271626 said:

HS1234 said:

How long has it taken you guys for it to get to the underwriter stage? 

I can't help you I have honestly been given no info at all once about where we are in the process. 

😔 you must be as frustrated as I am. What’s your time line so far? 

I had submitted everything prior to the 11th May and then paid packager fees, valuation etc on 11th May

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. 

What the actual F. Why do they do that? 

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. 

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. 

Fingers crossed for you. You will have some news next week hopefully and they accept the home valuation report. 

From the posts I’ve seen on here, I think the house valuation reports are accepted. 

I think it depends on the surveyor but ours was Shepherds who are pretty big so should be fine. It was done in February though when this process started so only issue may be they want it updated. I really hope I know some good news before next Friday as its my sisters hen weekend and I just want to be able to relax, be carefree and not be a pure mortgage bore 🤣

Keeping my fingers crossed for you. Stay positive and hope for the best. Don’t be a negative nelly like me waiting for the next bad news 🙈. 

Keep us posted and enjoy the weekend. You will have some good news by next weekend. 

homeownerdreams

It’s another weekend 🥂 cheers to everyone waiting. We were fully submitted on 24/5…. We had to submit one final document on Wednesday this week, and was told after that was submitted we would go to final decision. Hoping for some good news soon! 

HS1234

homeownerdreams said:

It’s another weekend 🥂 cheers to everyone waiting. We were fully submitted on 24/5…. We had to submit one final document on Wednesday this week, and was told after that was submitted we would go to final decision. Hoping for some good news soon! 

Good luck hopefully the offer will come soon. 

Jen271626

homeownerdreams said:

It’s another weekend 🥂 cheers to everyone waiting. We were fully submitted on 24/5…. We had to submit one final document on Wednesday this week, and was told after that was submitted we would go to final decision. Hoping for some good news soon! 

Same date as us, what was your final document? 

homeownerdreams

Jen271626 said:

homeownerdreams said:

It’s another weekend 🥂 cheers to everyone waiting. We were fully submitted on 24/5…. We had to submit one final document on Wednesday this week, and was told after that was submitted we would go to final decision. Hoping for some good news soon! 

Same date as us, what was your final document? 

It was our tenancy reference, they initially accepted 2 years of bank statements confirming rent payment which we submitted with our application, but then they came back on Wednesday and insisted on a reference, which was fine and we submitted Wednesday evening. So they wouldn’t have had it until Thursday. The weekends are nice to know there won’t be any movement but also frustrating as I just want it to be a working day! 

How’s your application coming on? 

Jen271626

homeownerdreams said:

Jen271626 said:

homeownerdreams said:

It’s another weekend 🥂 cheers to everyone waiting. We were fully submitted on 24/5…. We had to submit one final document on Wednesday this week, and was told after that was submitted we would go to final decision. Hoping for some good news soon! 

Same date as us, what was your final document? 

It was our tenancy reference, they initially accepted 2 years of bank statements confirming rent payment which we submitted with our application, but then they came back on Wednesday and insisted on a reference, which was fine and we submitted Wednesday evening. So they wouldn’t have had it until Thursday. The weekends are nice to know there won’t be any movement but also frustrating as I just want it to be a working day! 

How’s your application coming on? 

Last update I had was 14th June that our next review will be next Tuesday so praying I hear something next week, fingers crossed for you too! Have a good weekend! 

eje2021

Happy Monday guys! Did our pre completion phone calls this morning... Almost there. Set to exchange tomorrow and complete on Wednesday. Hoping it will all go through smoothly. Fingers crossed for good news for everyone this week 

Sevendoorsdown

eje2021 said:

Happy Monday guys! Did our pre completion phone calls this morning... Almost there. Set to exchange tomorrow and complete on Wednesday. Hoping it will all go through smoothly. Fingers crossed for good news for everyone this week 

Ahh that's brilliant! I bet you're so excited!
We still haven't heard anything since last documents to undwriters went back. Good luck for Wednesday 🥳

Jen271626

Brilliant how exciting youl be in your new house before Friday. 

Iv now had a further two soft searches done on my credit report on 24th June. Thats two done last week, two on 24th May and two for the initial dip in April. Still no hard search been done. Really fed up waiting for news now.