Bluestone Mortgages

Kerrylou2

esquire18 said:

We got our mortgage offer today!! I had lost all hope going into week 11 but it’s happened finally!! 

Keep going guys 😊😊

Brilliant news!! When did you have your valuation? Did you have to send further info after valuation? 

esquire18

Kerrylou2 said:

esquire18 said:

We got our mortgage offer today!! I had lost all hope going into week 11 but it’s happened finally!! 

Keep going guys 😊😊

Brilliant news!! When did you have your valuation? Did you have to send further info after valuation? 

Thank you! 

Had our valuation done 6th September. 

Then they asked for another months bank statements and queried our deposit. 

Kerrylou2

U can now relax! 

Oh wow! They have our most recent statements so fingers crossed they don’t ask for more 😬😬😩😩 

Kotismama

Kerrylou2 said:

I’ve just been updated to say my valuation came back all good so fingers crossed I get the confirmation of offer soon 🤞🏼🤞🏼

I’ve not been asked about expenditure yet - and mine was terrible! I was so nervous about what I was going to be asked but the only thing that slowed it up was forms - which wasn’t too bad! Just awaiting for the last bit of uw so I’m still nervous wreck 😩😩🙈😂

That's brilliant news! Fingers crossed 🤞 it must be such a relief to be nearly at the finish line!
It's a relief to know you haven't been asked anything, I've all but convinced myself it's going to get rejected... this must be the most stressed I've ever been haha. 
Has anybody had any returned direct debits on their statements and been OK? I made the same silly mistake 2 months on the trot of moving too much money into my other account and had Council tax return unpaid one month then gas/elec the months after 🤦‍♀️ they were both brought up to date straight away but doesn't look good 😬

Kerrylou2

Kotismama said:

Kerrylou2 said:

I’ve just been updated to say my valuation came back all good so fingers crossed I get the confirmation of offer soon 🤞🏼🤞🏼

I’ve not been asked about expenditure yet - and mine was terrible! I was so nervous about what I was going to be asked but the only thing that slowed it up was forms - which wasn’t too bad! Just awaiting for the last bit of uw so I’m still nervous wreck 😩😩🙈😂

That's brilliant news! Fingers crossed 🤞 it must be such a relief to be nearly at the finish line!
It's a relief to know you haven't been asked anything, I've all but convinced myself it's going to get rejected... this must be the most stressed I've ever been haha. 
Has anybody had any returned direct debits on their statements and been OK? I made the same silly mistake 2 months on the trot of moving too much money into my other account and had Council tax return unpaid one month then gas/elec the months after 🤦‍♀️ they were both brought up to date straight away but doesn't look good 😬

I’m still so stressed! I think until it’s al done and complete, that’s when I’ll feel relief 😂

yes I convinced myself that many of times - it’s such a worry. I had a return direct debit on mine for my house insurance, but then was collected again days later. I think the main things they look out for is your pay & main bills. Some I’ve seen they ask for loads - but I think as long as you can explain it then they’re fine. Good luck 🤞🏼 

esquire18

I did this, my direct debit for council tax bounced 3 months in a due to a my pay date changing and forgetting with everything else going in but they didn’t question that they just looked at income and what we pay out. 

Fingers crossed for everyone 🤞 

Kerrylou2

We have our offer 🥳🥳🥳🥳

snowwhite2

I got my formal offer today. Ace news. Stick with it everyone, it does end! 

Kotismama

Kerrylou2 said:

We have our offer 🥳🥳🥳🥳

Fantastic 👏👏👏👏👏 😁

Kotismama

esquire18 said:

I did this, my direct debit for council tax bounced 3 months in a due to a my pay date changing and forgetting with everything else going in but they didn’t question that they just looked at income and what we pay out. 

Fingers crossed for everyone 🤞 

Oh you've no idea how much this has reassured me! I keep flipping from one minute thinking this might actually happen, to the next convincing myself its all going to fall apart 😬
I suppose one good this is I now have life insurance, so if the stress kills me my kids will be quids in 🤣🤣