Bluestone Mortgages

newhome235678

Jentel31 said:

Hi, 
Waiting on a mortgage application with Bluestone. Does anyone know if they contact your employer and if so what do they ask for? Our HR dept is notoriously slow! Thanks

·  Job Role? 
·  Start date of continuous employment (including any previous role)? 
·  Part time or full time? if part time, amount of guaranteed hours 
·  Basic income? 
·  If any overtime earned is it regular? 
·  Any additional income including commission, bonuses etc? 
·  Please advise of all/any attachment of earning deductions. 
·  Do you foresee the current Covid-19 situation having a material effect on the applicants likelihood to receive their full salary going forward? 
·  Has the applicant been on furlough? If so please confirm their return date.  If currently on furlough, please confirm their current return date. 
·  Please confirm if on long-term sickness and if so, anticipated return to work date. 
·  Please confirm if the applicant is with a probationary period, if so please confirm end date of probation. 
·  Is the employer on a zero hours or temporary contract? 
·  Please confirm your position within the company?

if you read about 10 pages back on this thread there is a few comments about this issue ☺️

hereistohoping

Jentel31 said:

Hi, 
Waiting on a mortgage application with Bluestone. Does anyone know if they contact your employer and if so what do they ask for? Our HR dept is notoriously slow! Thanks

I emailed our HR department making them aware they may receive an email reference and requested they respond within 48 hours of receipt otherwise they would be hindering my mortgage. They've confirmed they will prioritise it for a same day response when the email lands

NervousMortgageApplicant

doglover34 said:

Finally - mortgage approved pending valuation which is booked for Friday! Just need that to come back ok!

Brilliant news! You really have had a fastracked service! #excitingtimes

Readytomove2020

Hi all. We are currently waiting for the offer. According to our MA we are now at the mandatory senior underwrite stage and all documents have been accepted. Valuation was 24th Oct. We submitted what appears to be the last of the “missing documents” on Monday. Just wondered how long it took for others to get the offer after this point? 

Also did anyone have special conditions on their offer? I’m a bit panicky that they will ask us to pay off debt (we only have £10k on a credit card to fund a car purchase but finding another £10k at this stage will be stressful!) 

doglover34

NervousMortgageApplicant said:

doglover34 said:

Finally - mortgage approved pending valuation which is booked for Friday! Just need that to come back ok!

Brilliant news! You really have had a fastracked service! #excitingtimes

Just hope its not more waiting after valuation! Need to be exchanged by 27th Nov!

Dhrt

Does anyone know if they do a further credit check before completion? 

NervousMortgageApplicant

doglover34 said:

NervousMortgageApplicant said:

doglover34 said:

Finally - mortgage approved pending valuation which is booked for Friday! Just need that to come back ok!

Brilliant news! You really have had a fastracked service! #excitingtimes

Just hope its not more waiting after valuation! Need to be exchanged by 27th Nov!

Currently with Bluestones final underwritter... MA told us we should have decision midweek this week, however nothing so far. Earlier this week Bluestone underwritter asked how I would travel to work despite being told I will be working remotely for the foreseeable. By train the journey is 1hr to London from the property we wish to purchase, my MA calmly reported back to Bluestone. We are a wreck, not sure we can manage another weekend without a decision! 

doglover34

NervousMortgageApplicant said:

doglover34 said:

NervousMortgageApplicant said:

doglover34 said:

Finally - mortgage approved pending valuation which is booked for Friday! Just need that to come back ok!

Brilliant news! You really have had a fastracked service! #excitingtimes

Just hope its not more waiting after valuation! Need to be exchanged by 27th Nov!

Currently with Bluestones final underwritter... MA told us we should have decision midweek this week, however nothing so far. Earlier this week Bluestone underwritter asked how I would travel to work despite being told I will be working remotely for the foreseeable. By train the journey is 1hr to London from the property we wish to purchase, my MA calmly reported back to Bluestone. We are a wreck, not sure we can manage another weekend without a decision! 

Omg they asked me the exact same question how funny!!! Really hope you get ur offer tomorrow!! Surely it must come soon!!

NervousMortgageApplicant

I am so happy to share that we've had our offer! Not sure if you can see the timescales but took 13 weeks from DiP! You'll get there, just like we did!

doglover34

OMG Sooo Happy for you!!!! yes!!!!!!