Bluestone Mortgages

Lottien95

Sammie2021 said:

Cosy2020 said:

@Sammie2021 if simply said that then I’d go with what they say. From experience on this thread everyone’s experience is different. We were told we weren’t allowed to apply if we’d had a payday loan in the last 6 months but I’ve seen people on this thread who had a payday loan active and open on their file and got an offer. 

Simply wouldn’t have got you a DIP if they thought you wouldn’t get an offer! It’s a really stressful process so try to relax as much as possible - easier said than done I know! 

Application has now been submitted after a lot of stressful work 🤞🏻🤞🏻 Hopefully it is now straightforward as simply did do a lot of work etc 

Good luck! Our application was finally submitted a few weeks ago! So far it’s not been too bad, but we’re still awaiting for it to go to the underwriters after bluestone asked some questions and the packager responded to them as they’d already asked them us! Good luck! Xx

Lottien95

So a little update on our timeline! We’re FTB HTB using complete as our packager

11/06/2021 reserved our home

26/06/2021 DIP finally received, was rejected at first a few days prior 

12/07/2021 application submitted using packager

15/07/2021 bluestone asked some questions packager submitted same day. 

22/07/2021 confirmation it has now been sent to the underwriters!

been told our next update will be in 3-4 working days! Anyone else at this stage or going through it! Stressing so much just want this to go through and we have our home 🤞🤞🤞

Foreverwaiting123

So I’m back…😊

today I have made an offer on a different (slightly more expensive) property. So the fun starts again!!  I’m determined to be moved by xmas!!! Fingers crossed this time 🤞

Foreverwaiting123

On the downside I got the solicitors bill (80%) for the last house that I didn’t buy so that’s going to dip into my cash reserves before I even start. 

Positiveaffirmations21

Foreverwaiting123 said:

So I’m back…😊

today I have made an offer on a different (slightly more expensive) property. So the fun starts again!!  I’m determined to be moved by xmas!!! Fingers crossed this time 🤞

Fingers crossed for you!!!

Positiveaffirmations21

Does anyone here have an Lifetime ISA?? Don’t know if I’m just being tight but the solicitors want to charge £50 +vat just to close the account!! Am I missing something. Anyone else had this? 

Icklesaint

Positiveaffirmations21 said:

Does anyone here have an Lifetime ISA?? Don’t know if I’m just being tight but the solicitors want to charge £50 +vat just to close the account!! Am I missing something. Anyone else had this? 

Our solicitor wants to charge £50 for the help to buy isa.  Must be the going rate 🤷‍♀️

MovingForwards

It's a fixed amount for LISA and H2B, pricing isn't up to the solicitors but set by the government or something.

Positiveaffirmations21

Icklesaint said:

Positiveaffirmations21 said:

Does anyone here have an Lifetime ISA?? Don’t know if I’m just being tight but the solicitors want to charge £50 +vat just to close the account!! Am I missing something. Anyone else had this? 

Our solicitor wants to charge £50 for the help to buy isa.  Must be the going rate 🤷‍♀️

I just challenged them on it!! Mine is a Moneybox and they have now said because it’s Moneybox they have the least amount of work to do with it so they won’t charge and the solicitor ever put it in the breakdown beforehand!!! Bloody cheek!! 

Who is your help to buy with? 

FTBuyer21

Just got our valuation report back after our valuation yesterday & all good so just waiting for the offer to be issued!! 😁 
anyone know how long this usually takes?