Bluestone Mortgages

MortgageWonders

jmwar92 said:

So we got a verbal offer yesterday does anyone know if we get an email or is it sent in the post now 

Snailmail, broker may have it on email tho 

jmwar92

MortgageWonders said:

jmwar92 said:

So we got a verbal offer yesterday does anyone know if we get an email or is it sent in the post now 

Snailmail, broker may have it on email tho 

Do you know if they suppose to send it to our solicitor via email or mail ? 

MortgageWonders

jmwar92 said:

MortgageWonders said:

jmwar92 said:

So we got a verbal offer yesterday does anyone know if we get an email or is it sent in the post now 

Snailmail, broker may have it on email tho 

Do you know if they suppose to send it to our solicitor via email or mail ? 

Solicitor and yourselves are Snailmail, broker may get a email.. 
However they are getting better at email but not quite there for offer eyet 

newhome235678

No the mortgage offer will get uploaded to a system called lms, this allows the solicitor to download it directly. They will also post a copy to you and your solicitor. Your broker will also be emailed a copy☺️  

mortgagetakingages

I havent had anything through the post but broker sent over details and solicitors had acccess via their systems. I dont think I will get anything in post but when I advised that a month ago I was shot down 3 weeks since I got the offer and I have not had anything beyond emails. Which suits me fine!

jmwar92

mortgagetakingages said:

I havent had anything through the post but broker sent over details and solicitors had acccess via their systems. I dont think I will get anything in post but when I advised that a month ago I was shot down 3 weeks since I got the offer and I have not had anything beyond emails. Which suits me fine!

Did you get this the day they have you the offer or few days after 

mortgagetakingages

My MA is fantastic and she had access immediately and sent it over via email. Then I sent it over to solicitors who then confirmed a few days later they have it on their system and then they sent me a copy in the post.

mikeflam21

Hi guys,we are waiting for the mortgage decision and are told it's still with the underwritert,they asked for my latest payslip and now asked if we receive any tax credits which we don't as to obtain the max loan amount,do you think there will be a problem with my affordability?

mortgagetakingages

mikeflam21 said:

Hi guys,we are waiting for the mortgage decision and are told it's still with the underwritert,they asked for my latest payslip and now asked if we receive any tax credits which we don't as to obtain the max loan amount,do you think there will be a problem with my affordability?

How do you expect anyone to answer that question

stephs26

hey everyone, just looking to see if anyone has recently got their mortgage accepted with similar circumstances,

I am a single application and putting down a 40% deposit on a home, my credit has one default from 1 and a half year ago which has been settled and was for £250 apart from this and a couple of missed  payments (day late)  on a shopping  account from a couple of years ago, everything on my credit file is good and all green ticks on all credit accounts and have no outstanding debt apart from my phone which i pay monthly, so don’t feel my credit should be a an issue, however i am self employed with only 1 year accounts and am worried due to covid they turn me down, i work in the service industry (backdrop/equipment hire, events, balloons, flowers etc) do yous think this will be in the industry that they aren’t lending to, i don’t know if it would make a difference that i am self employed and not employed in the industry therefore not at risk of losing my job? i have still been trading as normal throughout covid and this is shown in my bank statement,

just looking for other opinions as i am over thinking so much, i have had my offer accepted on  my dream home and so scared of loosing it