Bluestone Mortgages

Willowlou

Just had an email from my MA advising that bluestone have received the valuation report back and it is as expected, they are now looking at the application and will be in touch in due course 😬 absolutely pooping myself now 😣😣

Kerrylou2

I hope so as not sure why they’ve taken so long! The last question was how many children and ages etc - not quite sure why they’ve asked for that at this Stage and not before! But been in uw for over a week and half now! 😬😬😩 when have u got your valuation booked for? 

Willowlou

Kerrylou2 said:

I hope so as not sure why they’ve taken so long! The last question was how many children and ages etc - not quite sure why they’ve asked for that at this Stage and not before! But been in uw for over a week and half now! 😬😬😩 when have u got your valuation booked for? 

Valuation was done last Friday. 

I got asked about how many children and ages, think they look at it regarding affordability. I wish all the info would be asked for in one go too 

Kerrylou2

Willowlou said:

Kerrylou2 said:

I hope so as not sure why they’ve taken so long! The last question was how many children and ages etc - not quite sure why they’ve asked for that at this Stage and not before! But been in uw for over a week and half now! 😬😬😩 when have u got your valuation booked for? 

Valuation was done last Friday. 

I got asked about how many children and ages, think they look at it regarding affordability. I wish all the info would be asked for in one go too 

Ah fingers crossed u hear today 🤞🏼🤞🏼🤞🏼 I know, just can’t understand why they ask for it all at different times! 

ladydeen

Hi. I can totally relate with you all. This has been one of the most stressful times of my life. We have put our application at the beginning of July and still not got offer yet. We have been asked numerus times for documents including some of the one we have already submitted.

So we've reserved our new build at the end of June, got HTB confirmed, all paperwork and conveyancer searches done and even pay £2500 for choices of the kitchen, flooring etc (non-refundable). Valuation was done by BS and still been asked for more things. Due to the delays in the mortgage, we now lost the house which has been sold last week ☹ and nothing on the market that fits our needs and under HTB.

As I have recently changed job, I have now been told that the BS will unlikely make the offer as I am still in probation period until December. BS was aware of this as I have started the job just before application was submitted. I am a nurse and worked for the same employer for 8 years with a 1 year break when I done agency work (still worked for the same NHS Trust but via agency). I now re-join the same  NHS Trust again for more security.

I know BS is a specialised mortgage provider but this drip feeding and asking for documents every few days is ridicules. Why can they not look at the application in full and give you ALL of the documents list required.

Bottom line I think that the MA and packager is a key. Our is absolutely rubbish. I wish I seen this forum before applying and got us someone who is experienced in dealing with BC.

Good luck to everyone and hope you have your offers soon.

Kerrylou2

ladydeen said:

Hi. I can totally relate with you all. This has been one of the most stressful times of my life. We have put our application at the beginning of July and still not got offer yet. We have been asked numerus times for documents including some of the one we have already submitted.

So we've reserved our new build at the end of June, got HTB confirmed, all paperwork and conveyancer searches done and even pay £2500 for choices of the kitchen, flooring etc (non-refundable). Valuation was done by BS and still been asked for more things. Due to the delays in the mortgage, we now lost the house which has been sold last week ☹ and nothing on the market that fits our needs and under HTB.

As I have recently changed job, I have now been told that the BS will unlikely make the offer as I am still in probation period until December. BS was aware of this as I have started the job just before application was submitted. I am a nurse and worked for the same employer for 8 years with a 1 year break when I done agency work (still worked for the same NHS Trust but via agency). I now re-join the same  NHS Trust again for more security.

I know BS is a specialised mortgage provider but this drip feeding and asking for documents every few days is ridicules. Why can they not look at the application in full and give you ALL of the documents list required.

Bottom line I think that the MA and packager is a key. Our is absolutely rubbish. I wish I seen this forum before applying and got us someone who is experienced in dealing with BC.

Good luck to everyone and hope you have your offers soon.

That is such a shame - sorry to hear this.

I know - it’s like I’m waiting for the next thing they ask for. You send it, then a few days later they ask for something else, then you send it and then a few days later etc.... it would definitely be better if they ask in one go. To be honest - if they ask for more info I’m thinking of calling my existing mortgage provider and seeing if there’s anything they can do. At the mo I’m on a high rate with them, but because of my credit report improving since I got my mortgage with them, I want to remortgage for a better rate and pay off debt - but they may be able to offer me a better rate, so I’ll wait until the end of this week and then speak to them. It’s just so stressful - and asking for more and more info is making it ridiculously stressful! 

Maybe it’s worth you changing MA? hopefully there’s something out there for u - don’t give up! 

Willowlou

ladydeen said:

Hi. I can totally relate with you all. This has been one of the most stressful times of my life. We have put our application at the beginning of July and still not got offer yet. We have been asked numerus times for documents including some of the one we have already submitted.

So we've reserved our new build at the end of June, got HTB confirmed, all paperwork and conveyancer searches done and even pay £2500 for choices of the kitchen, flooring etc (non-refundable). Valuation was done by BS and still been asked for more things. Due to the delays in the mortgage, we now lost the house which has been sold last week ☹ and nothing on the market that fits our needs and under HTB.

As I have recently changed job, I have now been told that the BS will unlikely make the offer as I am still in probation period until December. BS was aware of this as I have started the job just before application was submitted. I am a nurse and worked for the same employer for 8 years with a 1 year break when I done agency work (still worked for the same NHS Trust but via agency). I now re-join the same  NHS Trust again for more security.

I know BS is a specialised mortgage provider but this drip feeding and asking for documents every few days is ridicules. Why can they not look at the application in full and give you ALL of the documents list required.

Bottom line I think that the MA and packager is a key. Our is absolutely rubbish. I wish I seen this forum before applying and got us someone who is experienced in dealing with BC.

Good luck to everyone and hope you have your offers soon.

Oh god! I’m so sorry to read this! That is awful! I’ve been a nervous wreck for weeks and each time I get an email asking for something else I want to cry! 

What are you going to do about your application? Does the new build site have anything else they can offer? 

bloomingmarvelous

Willowlou said:

Just had an email from my MA advising that bluestone have received the valuation report back and it is as expected, they are now looking at the application and will be in touch in due course 😬 absolutely pooping myself now 😣😣

woooop fab, you will get your offer soon!!! 

Willowlou

bloomingmarvelous said:

Willowlou said:

Just had an email from my MA advising that bluestone have received the valuation report back and it is as expected, they are now looking at the application and will be in touch in due course 😬 absolutely pooping myself now 😣😣

woooop fab, you will get your offer soon!!! 

I’m expecting to be asked for more info.. you know like blood type, what film did I watch last week, what did I have for breakfast on this day 2 years ago.. you know, typical Bluestone questions 😂😂

Kerrylou2

Willowlou said:

bloomingmarvelous said:

Willowlou said:

Just had an email from my MA advising that bluestone have received the valuation report back and it is as expected, they are now looking at the application and will be in touch in due course 😬 absolutely pooping myself now 😣😣

woooop fab, you will get your offer soon!!! 

I’m expecting to be asked for more info.. you know like blood type, what film did I watch last week, what did I have for breakfast on this day 2 years ago.. you know, typical Bluestone questions 😂😂

😂😂😂 I wouldn’t actually mind those type of questions! Haha! I’m sure it’ll be fine as they wouldn’t have asked for valuation unless they were happy with everything