Bluestone Mortgages

Lottien95

jaboat said:

Cosy2020 said:

jaboat said:

My case has been reviewed by underwriter who said he’s happy to proceed with valuation. Paid for this yesterday, how quick are bluestones valuers out to the property to complete this step?

Also just wanted to know at this stage do they wait for valuation to comeback and then request employer reference and landlord references. 

Or is it pretty much valuation and then offer?

I’d rather they request these documents now so we can speed up process as suppose to waiting for valuation to come back to then request these.

We didn't need employer or landlord references as they had seen via our payslips and rental payments that we were responsibly paying the payments on time and our jobs had been steady for the last 2 years minimum, so you might not need them. 

I prepped new bank statements, payslips etc all ready just in case though. 

Same I’ve provided them with two years of filtered bank statements showing rent payments, last 3 payslips and P60. Now it’s technically been to initial underwrite I hope they don’t need further information. I’ll be prepared just in case.

We thought this but we still got asked for more and more, twice so far, next update was due today but it’s been radio silence 😞I know they say no news is good news but I really wish they could hurry up and respond! My packagers closing shortly so hopefully tomorrow we will finally get an answer I hope! 

Pikapika1990

We have finally received our final mortgage offer today!😱🥳

i am still stressed though I don’t think I can quite calm down until we exchange!😫

It does state they assume mortgage will start on 01/09 however but we won’t be moving until early/mid October as the house won’t be done and ready for us to complete until then!

is this an issue does anyone know?🤔

Positiveaffirmations21

Pikapika1990 said:

We have finally received our final mortgage offer today!😱🥳

i am still stressed though I don’t think I can quite calm down until we exchange!😫

It does state they assume mortgage will start on 01/09 however but we won’t be moving until early/mid October as the house won’t be done and ready for us to complete until then!

is this an issue does anyone know?🤔

Awwww congratulations!!!🥳🎉 can you give your timeline please? Xx

Pikapika1990

Positiveaffirmations21 said:

Pikapika1990 said:

We have finally received our final mortgage offer today!😱🥳

i am still stressed though I don’t think I can quite calm down until we exchange!😫

It does state they assume mortgage will start on 01/09 however but we won’t be moving until early/mid October as the house won’t be done and ready for us to complete until then!

is this an issue does anyone know?🤔

Awwww congratulations!!!🥳🎉 can you give your timeline please? Xx

Thank you 🙏 just doesn’t feel exciting until it’s all done!!!

this is a vague timeline - it’s worth noting that we also used Simply as our MA (and they have been nothing short of amazing since call number 1)

14th May called Simply for advice
27th May called simply to start the ball rolling and provided them with everything requested.
30th May DIP with Simply
2nd June put a reserve down on new build
(delay now as we needed some info we couldn’t get until 14th June)
14th June final bit of info sent over
22nd June more info requested
30th June Help to buy returned accepted
(countless dates in between now asking for more info I own a business so it was complex)
1st July instructed solicitors and paid start up monies (we used their recommended one)
22nd July Valuation done
24th July more info requested (again we were slow as my accountant was dragging their heels)
31st July last bit of info sent 
4th August final verbal offer (and emailed)

now we just wait for the postal offer (should be 2 days) and the solicitors have already called me today to advise they have done most of the work just needing the official offer to sort out the final bits and pieces.

sorry it’s vague, our journey has been stressful as the amount of info we have been asked for was beyond what I would ever have imagined. Not only that we were very prompt but some info we have to wait for at no fault of our own.

simply have been incredible !!!!!

Sevendoorsdown

Pikapika1990 said:

We have finally received our final mortgage offer today!😱🥳

i am still stressed though I don’t think I can quite calm down until we exchange!😫

It does state they assume mortgage will start on 01/09 however but we won’t be moving until early/mid October as the house won’t be done and ready for us to complete until then!

is this an issue does anyone know?🤔

Congratulations! Your offer will normally be for 3 months from the start date on the conditions. It then states that should you need more time to contact your MA.  Happy home planning! 🥳

Icklesaint

Received our official offer via email today 🤩

Jen271626

Pikapika1990 said:

Positiveaffirmations21 said:

Pikapika1990 said:

We have finally received our final mortgage offer today!😱🥳

i am still stressed though I don’t think I can quite calm down until we exchange!😫

It does state they assume mortgage will start on 01/09 however but we won’t be moving until early/mid October as the house won’t be done and ready for us to complete until then!

is this an issue does anyone know?🤔

Awwww congratulations!!!🥳🎉 can you give your timeline please? Xx

Thank you 🙏 just doesn’t feel exciting until it’s all done!!!

this is a vague timeline - it’s worth noting that we also used Simply as our MA (and they have been nothing short of amazing since call number 1)

14th May called Simply for advice
27th May called simply to start the ball rolling and provided them with everything requested.
30th May DIP with Simply
2nd June put a reserve down on new build
(delay now as we needed some info we couldn’t get until 14th June)
14th June final bit of info sent over
22nd June more info requested
30th June Help to buy returned accepted
(countless dates in between now asking for more info I own a business so it was complex)
1st July instructed solicitors and paid start up monies (we used their recommended one)
22nd July Valuation done
24th July more info requested (again we were slow as my accountant was dragging their heels)
31st July last bit of info sent 
4th August final verbal offer (and emailed)

now we just wait for the postal offer (should be 2 days) and the solicitors have already called me today to advise they have done most of the work just needing the official offer to sort out the final bits and pieces.

sorry it’s vague, our journey has been stressful as the amount of info we have been asked for was beyond what I would ever have imagined. Not only that we were very prompt but some info we have to wait for at no fault of our own.

simply have been incredible !!!!!

Congrats, it won't come in the post it will be through email. Your offer will be valid until 3 months from today so you have till the 4th November to complete. 

Positiveaffirmations21

Icklesaint said:

Received our official offer via email today 🤩

Congratulations!!!🎉🥳

Positiveaffirmations21

I wanted to use simply but they were trying to tell me that the H2B affordability assessment was really strict and that I would need a deposit of £45k!!! Which made no sense. So I just went with impact in the end- they do the packaging aswell. Was really frustrated at what simply told me because I passed the affordability with no problems and was granted the ATP within 2 days. 

kmccallum87

We have had our first underwrite back asking that our solicitors register with their lending panel, do we think this is a good thing? Also needed work reference for me and proof of DPP payment for the last year. 

I was so calm at the start of this and now it’s consuming my every thought!!