Bluestone Mortgages

Readytomove2020

We initially submitted our full application 1st October. And then had the full runaround from BS with forms and documents galore. It felt never ending. But then, We got our mortgage offer through on 25th November, exchanged contracts on 27th and completed 4th Dec. So it moved very very quickly towards the end! I can’t recommend our mortgage broker enough, she was amazing and pushed for this quick result daily. Chloe Stock at the Stock Mortgage Company. I can’t believe this process is over and we now have a house, stick with it guys, you’ll get there! 

Jentel31

Readytomove2020 said:

We initially submitted our full application 1st October. And then had the full runaround from BS with forms and documents galore. It felt never ending. But then, We got our mortgage offer through on 25th November, exchanged contracts on 27th and completed 4th Dec. So it moved very very quickly towards the end! I can’t recommend our mortgage broker enough, she was amazing and pushed for this quick result daily. Chloe Stock at the Stock Mortgage Company. I can’t believe this process is over and we now have a house, stick with it guys, you’ll get there! 

So good to hear! Thanks so much for the positive story! 🙂

jonesymike

Hi has anyone had issues with gambling transactions with bluestone on their bank statements out of interest? 

Snow_Man84

Hi All, just to update
BS have come back to us for a 6th time wanting further information. I have a loan which will be paid off on completion using our current home equity. They require all details of what this was used for. It was used to consolidate other credit. BS will only accept account statements showing settlement so I’ve had to go back to my old lenders who are quoting 28 days to have the proofs sent out to me. It will then be 5 to 6 working days for BS to review. So frustrated with this as they have been aware of all accounts since DIP and we have been very honest with everything!! :-(

springmagpie

Snow_Man84 said:

Hi All, just to update
BS have come back to us for a 6th time wanting further information. I have a loan which will be paid off on completion using our current home equity. They require all details of what this was used for. It was used to consolidate other credit. BS will only accept account statements showing settlement so I’ve had to go back to my old lenders who are quoting 28 days to have the proofs sent out to me. It will then be 5 to 6 working days for BS to review. So frustrated with this as they have been aware of all accounts since DIP and we have been very honest with everything!! :-(

It's so frustrating isn't. We're still awaiting an update. I think the next steps for us if they are finally happy with all the documentation is employer references and the valuation. We've sent in excess of 40 documents to them now, and they've come back with queries 8 times. 

doglover34

It is frustrating guys, they make u work for it! But u will get there! Ive not seen anyone that has had a decline after DIP. Just hang in there xxx  we're finally exchanging today and completing tomorrow!!

Snow_Man84

doglover34 said:

It is frustrating guys, they make u work for it! But u will get there! Ive not seen anyone that has had a decline after DIP. Just hang in there xxx  we're finally exchanging today and completing tomorrow!!

Congratulations and best wishes for moving day   

Snow_Man84

springmagpie said:

Snow_Man84 said:

Hi All, just to update
BS have come back to us for a 6th time wanting further information. I have a loan which will be paid off on completion using our current home equity. They require all details of what this was used for. It was used to consolidate other credit. BS will only accept account statements showing settlement so I’ve had to go back to my old lenders who are quoting 28 days to have the proofs sent out to me. It will then be 5 to 6 working days for BS to review. So frustrated with this as they have been aware of all accounts since DIP and we have been very honest with everything!! :-(

It's so frustrating isn't. We're still awaiting an update. I think the next steps for us if they are finally happy with all the documentation is employer references and the valuation. We've sent in excess of 40 documents to them now, and they've come back with queries 8 times. 

Very Frustrating
I have just come off a long call with our Mortgage Broker, who has said they would like to help us but just need the further docs. He said if they were not willing to lend, they would of rejected straight away as they are that busy. I did ask why as professionals they couldn't give us a heads up on what further docs might be requested so we can prepare. He said that's just the way they operate. 8 times is a lot thought.....hope you get some good news soon 

springmagpie

doglover34 said:

It is frustrating guys, they make u work for it! But u will get there! Ive not seen anyone that has had a decline after DIP. Just hang in there xxx  we're finally exchanging today and completing tomorrow!!

All the best, hope it all goes smoothly 

Jentel31

doglover34 said:

It is frustrating guys, they make u work for it! But u will get there! Ive not seen anyone that has had a decline after DIP. Just hang in there xxx  we're finally exchanging today and completing tomorrow!!

Brilliant news! Good luck and enjoy your new home!