Bluestone Mortgages

bloomingmarvelous

Well we should of had the valuation done this morning, but had a phonecall at 10am to say the person who was suppose to be doing it has had an injury and unable to drive. That they are hoping he will be better for Monday. So rescheduled to Monday now. 

Kerrylou2

bloomingmarvelous said:

Well we should of had the valuation done this morning, but had a phonecall at 10am to say the person who was suppose to be doing it has had an injury and unable to drive. That they are hoping he will be better for Monday. So rescheduled to Monday now. 

Oh no 😩 did u have to pay for your valuation upfront? How long did u have to wait since application? 

bloomingmarvelous

Kerrylou2 said:

bloomingmarvelous said:

Well we should of had the valuation done this morning, but had a phonecall at 10am to say the person who was suppose to be doing it has had an injury and unable to drive. That they are hoping he will be better for Monday. So rescheduled to Monday now. 

Oh no 😩 did u have to pay for your valuation upfront? How long did u have to wait since application? 

We started the process April with a broker we knew of.

So we put in the full application 17th August. They requested more info, quite alot really to clarify what certain payments were for, had to send ID for the 2nd time, confirmation we accept the product they offered, had to give distance for address to work place, what childcare arrangements are in place, Employers HR address....... 

Sent all this info straight away on the 17th August. 

Had no more correspondence until 9th September to say pay the valuation fee, paid immediately.

20th September the Surveyors contacted us to say they will come 29th to do the valuation. Which has been cancelled and now is Monday 4th October. 

Wrote this hoping it just gives you a little insight into our timeline. Hope it goes more quicker for you. 

We are first time buyers, buying my mother in laws house and gift deposits so think this has made it slightly more complicated. 

Kerrylou2

bloomingmarvelous said:

Kerrylou2 said:

bloomingmarvelous said:

Well we should of had the valuation done this morning, but had a phonecall at 10am to say the person who was suppose to be doing it has had an injury and unable to drive. That they are hoping he will be better for Monday. So rescheduled to Monday now. 

Oh no 😩 did u have to pay for your valuation upfront? How long did u have to wait since application? 

We started the process April with a broker we knew of.

So we put in the full application 17th August. They requested more info, quite alot really to clarify what certain payments were for, had to send ID for the 2nd time, confirmation we accept the product they offered, had to give distance for address to work place, what childcare arrangements are in place, Employers HR address....... 

Sent all this info straight away on the 17th August. 

Had no more correspondence until 9th September to say pay the valuation fee, paid immediately.

20th September the Surveyors contacted us to say they will come 29th to do the valuation. Which has been cancelled and now is Monday 4th October. 

Wrote this hoping it just gives you a little insight into our timeline. Hope it goes more quicker for you. 

We are first time buyers, buying my mother in laws house and gift deposits so think this has made it slightly more complicated. 

Thanks for this. I’m currently remortgaging - no bad credit in 3 years, worse being missed payments. Hoping it’s ok as we have 30% deposit - but I’m still so nervous. More nervous about bank statements - nothing out of the ordinary - just general stuff, but still seeing all the posts of them querying things makes me anxious! Our app was sent in on 14th September - heard back on 17th requesting more standard documents, which was expected. Came back again on 21st asking for a couple more things - again nothing major. Then came back again yesterday asking for a revised declaration as they’ve updated their terms of business. My MA advised that it’s with an underwriter - so I’ll prob get more things requested tomorrow or Friday. Just hate this waiting - makes me so anxious! 

Let’s hope you get your valuation done Monday and then hopefully get your offer! Hopefully it’s good news that it’s at valuation stage Atleast, as surely it wouldn’t get this far. 🤞🏼🤞🏼

Willowlou

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Kerrylou2

Willowlou said:

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Glad these posts are on here as now I won’t be getting a surprise to pay the valuation fee! When did you send in your app? Have they come back to you a few times or just the once? It’s horrible isn’t it! I sent a revised document this morning so I’m not expecting to hear back for a few days! I just wished they asked for everything at once - then I wouldn’t be so anxious of them keep coming back! Hopefully you’ll hear back very soon! 

Willowlou

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Glad these posts are on here as now I won’t be getting a surprise to pay the valuation fee! When did you send in your app? Have they come back to you a few times or just the once? It’s horrible isn’t it! I sent a revised document this morning so I’m not expecting to hear back for a few days! I just wished they asked for everything at once - then I wouldn’t be so anxious of them keep coming back! Hopefully you’ll hear back very soon! 

My application went in Friday 17th. Had a request for more documents on the Monday after then again on the Wednesday. It went to underwriter on Friday 24th then had a request for more documents plus questions about some standing orders yesterday. Got all the info in for yesterday afternoon and heard nothing yet. 

I feel the same as you, wish they’d just ask for everything in one go! From what I’ve read on this thread they make you work for your offer! We’ve definitely worked for it now!! 😂 
if you have a look on the illustration they’ve sent you it should tell you the costs you have to pay, our valuation fee is on there. I think they also charge a fee for the mortgage but they are adding that to our mortgage. 

Kerrylou2

Willowlou said:

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Glad these posts are on here as now I won’t be getting a surprise to pay the valuation fee! When did you send in your app? Have they come back to you a few times or just the once? It’s horrible isn’t it! I sent a revised document this morning so I’m not expecting to hear back for a few days! I just wished they asked for everything at once - then I wouldn’t be so anxious of them keep coming back! Hopefully you’ll hear back very soon! 

My application went in Friday 17th. Had a request for more documents on the Monday after then again on the Wednesday. It went to underwriter on Friday 24th then had a request for more documents plus questions about some standing orders yesterday. Got all the info in for yesterday afternoon and heard nothing yet. 

I feel the same as you, wish they’d just ask for everything in one go! From what I’ve read on this thread they make you work for your offer! We’ve definitely worked for it now!! 😂 
if you have a look on the illustration they’ve sent you it should tell you the costs you have to pay, our valuation fee is on there. I think they also charge a fee for the mortgage but they are adding that to our mortgage. 

Ah so your timings roughly the same as ours! So my illustration has a mortgage fee (adding to our mortgage) but £0.00 against valuation fee?? Not sure as were remortgaging rather than actually buying, may make a difference? My MA didn’t mention valuation fee either - I may ask about this tomorrow. I think they’re pretty quick so hopefully you’ll hear back sometime this week - seems like it’s every few days! 

Willowlou

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Glad these posts are on here as now I won’t be getting a surprise to pay the valuation fee! When did you send in your app? Have they come back to you a few times or just the once? It’s horrible isn’t it! I sent a revised document this morning so I’m not expecting to hear back for a few days! I just wished they asked for everything at once - then I wouldn’t be so anxious of them keep coming back! Hopefully you’ll hear back very soon! 

My application went in Friday 17th. Had a request for more documents on the Monday after then again on the Wednesday. It went to underwriter on Friday 24th then had a request for more documents plus questions about some standing orders yesterday. Got all the info in for yesterday afternoon and heard nothing yet. 

I feel the same as you, wish they’d just ask for everything in one go! From what I’ve read on this thread they make you work for your offer! We’ve definitely worked for it now!! 😂 
if you have a look on the illustration they’ve sent you it should tell you the costs you have to pay, our valuation fee is on there. I think they also charge a fee for the mortgage but they are adding that to our mortgage. 

Ah so your timings roughly the same as ours! So my illustration has a mortgage fee (adding to our mortgage) but £0.00 against valuation fee?? Not sure as were remortgaging rather than actually buying, may make a difference? My MA didn’t mention valuation fee either - I may ask about this tomorrow. I think they’re pretty quick so hopefully you’ll hear back sometime this week - seems like it’s every few days! 

I’m hoping to hear something today. We have until today to pay a deposit for a rented property we found in case mortgage does not go through. It’s so stressful! 

Yes worth asking your MA about it if it says 0. 

Fingers crossed for you today - hopefully we hear something 🤞

Kerrylou2

Willowlou said:

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Willowlou said:

Kerrylou2 said:

Our case is currently with an underwriter - am expecting questions but fingers crossed all goes ok 🤞🏼 Question re valuation - I’m applying for a remortgage - will they still do a valuation of the property? If so - are the fees included in the mortgage or do u need to pay the valuation fee upfront? Thanks 👍🏼

Ah fingers crossed for you! I think from what I have read you have to pay for valuation. Once it’s had initial underwrite and they’re happy it’ll then be passed for valuation. Ive heard nothing today after submitting loads of info yesterday 😣 the wait is killing me!! 

Glad these posts are on here as now I won’t be getting a surprise to pay the valuation fee! When did you send in your app? Have they come back to you a few times or just the once? It’s horrible isn’t it! I sent a revised document this morning so I’m not expecting to hear back for a few days! I just wished they asked for everything at once - then I wouldn’t be so anxious of them keep coming back! Hopefully you’ll hear back very soon! 

My application went in Friday 17th. Had a request for more documents on the Monday after then again on the Wednesday. It went to underwriter on Friday 24th then had a request for more documents plus questions about some standing orders yesterday. Got all the info in for yesterday afternoon and heard nothing yet. 

I feel the same as you, wish they’d just ask for everything in one go! From what I’ve read on this thread they make you work for your offer! We’ve definitely worked for it now!! 😂 
if you have a look on the illustration they’ve sent you it should tell you the costs you have to pay, our valuation fee is on there. I think they also charge a fee for the mortgage but they are adding that to our mortgage. 

Ah so your timings roughly the same as ours! So my illustration has a mortgage fee (adding to our mortgage) but £0.00 against valuation fee?? Not sure as were remortgaging rather than actually buying, may make a difference? My MA didn’t mention valuation fee either - I may ask about this tomorrow. I think they’re pretty quick so hopefully you’ll hear back sometime this week - seems like it’s every few days! 

I’m hoping to hear something today. We have until today to pay a deposit for a rented property we found in case mortgage does not go through. It’s so stressful! 

Yes worth asking your MA about it if it says 0. 

Fingers crossed for you today - hopefully we hear something 🤞

Ah I hope you hear today - it’s so horrible when you need to know! Keep me posted 🤞🏼