Bluestone Mortgages

SMc4

Hello, 
Myself and partner have received a DIP from Bluestone for a HTB mortgage. We are looking to reserve a property off plan which will not be built until July/August. 

Has anybody been in this position with the build date being later than 6 months and if so were bluestone able to provide an offer valid for the build window??
Thanks in advance!! 

mortgagetakingages

6 months max but you can extend a further 3 months when it expires

mortgagenews

Here I am 3 weeks after offer still waiting.
The solicitors have just completed their searches which took a month. The solicitors started the searches 2 weeks before I received an offer.
The solicitors applied for auth to exchange last week thursday which should take 3 working days as displayed on their website. I guess I will hear back from them today.

@mortgagetakingages is right, the waiting continues after offer. 

sarahjanelodge

We had our valuation done this morning... hoping for a quick response now. Ill ring me ma tomorrow to check bluestone have received the valuation report.. or is that too soon?? Im being impatient as its took 8 weeks to get this far.
We went with simply too and they have been amazing . 
Solicitors started searches about 3 weeks ago and have them all back except one due on 3 Nov. 
First time buyers now living outta boxes in a rented house hoping to get the keys ASAP.

newton21

sarahjanelodge said:

We had our valuation done this morning... hoping for a quick response now. Ill ring me ma tomorrow to check bluestone have received the valuation report.. or is that too soon?? Im being impatient as its took 8 weeks to get this far.
We went with simply too and they have been amazing . 
Solicitors started searches about 3 weeks ago and have them all back except one due on 3 Nov. 
First time buyers now living outta boxes in a rented house hoping to get the keys ASAP.

We had our valuation yesterday, the bloke said it would be signed and sent over to lender the same day ... 

springmagpie

doglover34 said:

springmagpie said:

Hi all, 
We got our DIP 2 weeks ago and the full application was sent off last week. 
My husband had an IVA which was discharged 3 years ago, a CCJ which falls off his credit report in Jan. I have poor credit due to missed payments/defaults over a year ago. 
Feeling very nervous. We are buying the place we are renting, so if we don't get the mortgage offer we will have to look at moving into another rented property. Been very unlucky with 3 landlords selling with 2 years, so desperate to stay put! 

Good luck with it, we all seem to be at the same stage ... so fingers crossed for us all atm! have you had your hard searches done?

We have one from blustone as a Mortgage quotation but dont think that the hard search 

stephs26

sarahjanelodge said:

We had our valuation done this morning... hoping for a quick response now. Ill ring me ma tomorrow to check bluestone have received the valuation report.. or is that too soon?? Im being impatient as its took 8 weeks to get this far.
We went with simply too and they have been amazing . 
Solicitors started searches about 3 weeks ago and have them all back except one due on 3 Nov. 
First time buyers now living outta boxes in a rented house hoping to get the keys ASAP.

hi, what searchers does your solicitor have to do? i am waiting to hear back from bluestone and had my hard search done over a week ago although i haven’t contacted my solicitor, i didn’t know i had to until my offer was accepted? 

doglover34

stephs26 said:

sarahjanelodge said:

We had our valuation done this morning... hoping for a quick response now. Ill ring me ma tomorrow to check bluestone have received the valuation report.. or is that too soon?? Im being impatient as its took 8 weeks to get this far.
We went with simply too and they have been amazing . 
Solicitors started searches about 3 weeks ago and have them all back except one due on 3 Nov. 
First time buyers now living outta boxes in a rented house hoping to get the keys ASAP.

hi, what searchers does your solicitor have to do? i am waiting to hear back from bluestone and had my hard search done over a week ago although i haven’t contacted my solicitor, i didn’t know i had to until my offer was accepted? 

they have to do the land registry searches etc, Ive started mine today as my buyers are wanting to pull out (they can take a while)! cant lose the house so have started them with the solicitor in the hope that they come back in 3 to 4 weeks and we will be good to go!

doglover34

springmagpie said:

doglover34 said:

springmagpie said:

Hi all, 
We got our DIP 2 weeks ago and the full application was sent off last week. 
My husband had an IVA which was discharged 3 years ago, a CCJ which falls off his credit report in Jan. I have poor credit due to missed payments/defaults over a year ago. 
Feeling very nervous. We are buying the place we are renting, so if we don't get the mortgage offer we will have to look at moving into another rented property. Been very unlucky with 3 landlords selling with 2 years, so desperate to stay put! 

Good luck with it, we all seem to be at the same stage ... so fingers crossed for us all atm! have you had your hard searches done?

We have one from blustone as a Mortgage quotation but dont think that the hard search 

its should say that it 'Can' impact your credit score - if it does then its a hard search

springmagpie

doglover34 said:

springmagpie said:

doglover34 said:

springmagpie said:

Hi all, 
We got our DIP 2 weeks ago and the full application was sent off last week. 
My husband had an IVA which was discharged 3 years ago, a CCJ which falls off his credit report in Jan. I have poor credit due to missed payments/defaults over a year ago. 
Feeling very nervous. We are buying the place we are renting, so if we don't get the mortgage offer we will have to look at moving into another rented property. Been very unlucky with 3 landlords selling with 2 years, so desperate to stay put! 

Good luck with it, we all seem to be at the same stage ... so fingers crossed for us all atm! have you had your hard searches done?

We have one from blustone as a Mortgage quotation but dont think that the hard search 

its should say that it 'Can' impact your credit score - if it does then its a hard search

I'm using credit club and cant see where it sayd that. 

Just had a load of questions fom Bluestone, they have gone through our bank statements with a fine tooth coomb, asking about £25 payment to my mate for a train ticket etc. Not sure if it's good news or not. What do I say about why i missed payments, the reality is I got myself in a muddle with money??