Bluestone Mortgages

Hooefullyhopeful

Feelinghopefull2022 Thankyou, hopefully yours will proceed quickly xx

Hooefullyhopeful

Proof of deposit asked for today 

DKDUFFY23

we are awaiting to hear, sent proof of deposit today. Was told Friday once they had received this a home report or valuation would be done before an offer. I read it as we have been approved but not wanting to get hopes up. We haven't been asked any questions from underwriter have given everything but a DNA sample. Wouldnt think they would instruct a valuation of property if it wasnt a yes?

Hooefullyhopeful

my broker said the turn around is 48hours from updating latest queries .. another weekend of worry 🤦‍♀️

DKDUFFY23

Hooefullyhopeful said:

my broker said the turn around is 48hours from updating latest queries .. another weekend of worry 🤦‍♀️

Just want to know yes or no! Surely from all the information they get they have a decision. Feels like its all a secret and a bit cryptic. 

Hooefullyhopeful

@DKDUFFY23 I know, it’s the most stressful process ever .. just a yes or no will do 🤦‍♀️

Jadietemp

I chased up with my broker/packager today asking for a timeline that they promised 2 weeks ago, 6hours later still no timeline given, but an ‘oh I’ve had a look and that declaration form you electronically signed last week, it’s no good, we need a wet signature’

You’ve taken 5 days to tell me this because?!… 

Mad rush around to find someone with a printer so I can print it off, sign it, take a photo, then send it back tonight, so they’ve got it before the weekend delay. 

They’re only checking up on stuff when I tell them to, it’s infuriating. 

Hooefullyhopeful

@Jadietemp seems they ask everyone for same information.. I just don’t know why they don’t do a list, instead of back and fourth every few days .. it’s so infuriating not to mention the stress it causes x

Jadietemp

@Hooefullyhopeful
ive had absolutely every single document possible on my computer since the dip was applied for 2 months ago, I wish I had sent my broker it all at the same time, because down the line Bluestone have asked for things I knew they would ask for, but I didn’t want to undermine my broker by telling them what they had to send beforehand. 

But you would think if I can anticipate what needs to go, someone who hasn’t got a clue about mortgages, that they would too, it being their profession and all. But hey ho, it is what it is, hindsight and all, haha. 

Keep us updated everyone. 

MovingForwards

I went through the intermediary list on their website, collated everything and ticking it off. Made things as easy as possible eg full statements showing income / expenditure and transaction reports showing rent to the agency. 

I even sent copies of bills, with an explanation of how me / joint tenant had split things. Copies of CC statements to show where I'd done a shop on that instead of my current account.

Provided an explanation of how girls nights out worked and my cheap social life.

I grouped each item as an attachment so my broker could pick out what he wanted, rather than a giant attachment of everything. Made his life so much easier and meant I was only asked for a couple of things that hadn't been produced by the bank at the point when I'd sent it all.