Bluestone Mortgages

esquire18

congratulations! 🥳 

Choco_cookie

feelinghopefull2022 said:

the payment link for the valuation isn't working, does anyone know if there is another way of paying?

I was having the same issue, call them they will take the payment through phone, apparently they are having problems with their system.

feelinghopefull2022

WE GOT OUR OFFER!!!! WOOOOOOOOOO 

Choco_cookie

Brad92 said:

We had been messed around and lots more info requested after our valuation had taken place even tho they was happy with valuation, 

but today we finally got there and got our mortgage offer 🥳

Congratulations! 🥳🥳no more asking for documents back and forth 😭 how long did it take from you paying your valuation to you getting your offer ? 

The house we are after is 5years old, so I thought it was going to take like a couple of days for them to get back to us… it’s been like a week now 😬

Choco_cookie

feelinghopefull2022 said:

WE GOT OUR OFFER!!!! WOOOOOOOOOO 

Congratulations 🥳🥳

Cazzy53

feelinghopefull2022 said:

WE GOT OUR OFFER!!!! WOOOOOOOOOO 

Amazing! Many many congratulations.

feelinghopefull2022

Choco_cookie said:

Brad92 said:

We had been messed around and lots more info requested after our valuation had taken place even tho they was happy with valuation, 

but today we finally got there and got our mortgage offer 🥳

Congratulations! 🥳🥳no more asking for documents back and forth 😭 how long did it take from you paying your valuation to you getting your offer ? 

The house we are after is 5years old, so I thought it was going to take like a couple of days for them to get back to us… it’s been like a week now 😬

My broker asked for a remote valuation, they did it Friday has offer today 

DKDUFFY23

Hi, 

First time posting on anything like this!

We are currently going through the process of applying with Bluestone. We are using Mortgage Thoughts as our broker.

We got our AIP within hours of it being submitted and our full application was submitted 09/02/22, we have since had to provide Jan payslip/bank statements. 

Bad credit is on my side not my partners - he has highest score. Mines is due to ex husband taking things out in my name and me only finding out after the separation. Regardless everything has been repaid in full! 

Our deposit is coming from the sale of my home and my partners home. My house sale concludes 25th Mar 22 and my partners is still to be marketed. The house we reserved isnt due to be completed until July 22. Our broker is advising us that the lender wont issue a mortgage offer until my partners house is sold! We dont want to be in a position that an offer is made and accepted on his house and then we arent approved for the mortgage, therfore leaving us (with two small children) homeless! Has anyone else had this as I work in legal (property) and people get mortgage offers without there house being on the market given you can provide there is equity, which we can. He has £70k on his mortgage left and his HR value is £210k with offers expected at £220 plus. So plenty. My house sold for £205k and my mortgage is £111k again plenty. We are putting £175k down and new house is £469k

Sorry for the long thread! 

feelinghopefull2022

I can’t comment on the equity but I guess it’s because they are a specialist lender? 

I would be more worried that the MA has submitted an application without the most recent payslip!! You maybe going backwards and forwards a lot!

DKDUFFY23

feelinghopefull2022 said:

I can’t comment on the equity but I guess it’s because they are a specialist lender? 

I would be more worried that the MA has submitted an application without the most recent payslip!! You maybe going backwards and forwards a lot!

Maybe, but we feel its a bit of risk without guarantee we are accepted. I know! I had re do my passports aswell even though I gave them all of this in Dec. They have eveything else work contract, p45,p60, pension statements,payslips, statements for bank and mortgage. We were told last night the underwriter is currently taking 2-3 days so hope to hear next week. 

Did you get an offer?