Bluestone Mortgages

newton21

Does anyone know if when valuation takes place they tell you the value there and then? Or does it all go back to bluestone 

mortgagetakingages

Anyone who is going through underwriter process keep any information you have shared up to date. If you pass into a new pay period or month of bank statements or anything else send it to your ma before they ask... because they will and then it delays further. 

I did this and saved weeks on my waiting time. 

doglover34

mortgagetakingages said:

Anyone who is going through underwriter process keep any information you have shared up to date. If you pass into a new pay period or month of bank statements or anything else send it to your ma before they ask... because they will and then it delays further. 

I did this and saved weeks on my waiting time. 

Thanks for the tip!

hereistohoping

From full application submitting to written offer so you can exchange, what is everyone's experience with timescales. We already have a DIP from bluestone but the new build sales office state they won't keep the property reserved as bluestone 'take forever' so potentially we are about to lose our plot. 

langdalerow

Has anyone had a bluestone mortgage approved on a Barratt Homes timber framed with brick house please?

mortgagetakingages

hereistohoping said:

From full application submitting to written offer so you can exchange, what is everyone's experience with timescales. We already have a DIP from bluestone but the new build sales office state they won't keep the property reserved as bluestone 'take forever' so potentially we are about to lose our plot. 

4 weeks. I updated every document when it passes into new month and flooded them with evidence which seemed to speed it up

doglover34

Had hard searches done on Friday, only just notified today. I get paid this Friday so will send over my new payslip as soon as I have it. I see some people mentioned about writing a letter about the adverse? had anyone been asked this? and shall i write one just in case?

Joleen23

doglover34 said:

Had hard searches done on Friday, only just notified today. I get paid this Friday so will send over my new payslip as soon as I have it. I see some people mentioned about writing a letter about the adverse? had anyone been asked this? and shall i write one just in case?

Hi, doglover34 
how was you notified regarding the hard searches please? 

doglover34

Joleen23 said:

doglover34 said:

Had hard searches done on Friday, only just notified today. I get paid this Friday so will send over my new payslip as soon as I have it. I see some people mentioned about writing a letter about the adverse? had anyone been asked this? and shall i write one just in case?

Hi, doglover34 
how was you notified regarding the hard searches please? 

I had an email from Experian this morning telling me that a new search was on my report.  I looked and it was a hard search that said it can impact my credit file.  My hubby had one too

Joleen23

doglover34 said:

Joleen23 said:

doglover34 said:

Had hard searches done on Friday, only just notified today. I get paid this Friday so will send over my new payslip as soon as I have it. I see some people mentioned about writing a letter about the adverse? had anyone been asked this? and shall i write one just in case?

Hi, doglover34 
how was you notified regarding the hard searches please? 

I had an email from Experian this morning telling me that a new search was on my report.  I looked and it was a hard search that said it can impact my credit file.  My hubby had one too

Oh right ok, me too on Friday! 

It’s so nerve wracking 😬