Full mortgage application in halifax

Thrugelmir

Serdar048 said:

putopao said:

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Did yours gone to underwriters ? We were really hoping to get the mortgage offer but when my ma told me gone to underwriter im a bit nervous tbh as all documents i give them okay but still that is a bit scary hoping good news

All applications pass through the underwriters. These are the individuals empowered to make the final decisions on behalf of the lender. As to whether an offer should be made or not. The buck stops with them. 

Serdar048

Thrugelmir said:

Serdar048 said:

putopao said:

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Did yours gone to underwriters ? We were really hoping to get the mortgage offer but when my ma told me gone to underwriter im a bit nervous tbh as all documents i give them okay but still that is a bit scary hoping good news

All applications pass through the underwriters. These are the individuals empowered to make the final decisions on behalf of the lender. As to whether an offer should be made or not. The buck stops with them. 

Ah right i see so it doesnt mean there is an issue to underwriter check thanks for information

mard3010

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Serdar048

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Do they do valuation still in this current situation ? I have not heard anything since last thursday they sent to underwriter

Thrugelmir

Serdar048 said:

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Do they do valuation still in this current situation ? I have not heard anything since last thursday they sent to underwriter

Valuations are critical. The money won't be advanced unless the property offers adequate security. 

Serdar048

Thrugelmir said:

Serdar048 said:

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Do they do valuation still in this current situation ? I have not heard anything since last thursday they sent to underwriter

Valuations are critical. The money won't be advanced unless the property offers adequate security. 

I meant do surveyors will carry out any work in this covid-19 lockdown ? 

Thrugelmir

Serdar048 said:

Thrugelmir said:

Serdar048 said:

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Do they do valuation still in this current situation ? I have not heard anything since last thursday they sent to underwriter

Valuations are critical. The money won't be advanced unless the property offers adequate security. 

I meant do surveyors will carry out any work in this covid-19 lockdown ? 

That may depend on individual firms. Much of industry and commerce does appear to be shutting down of it's own accord. Without waiting for further guidance. 

Serdar048

Thrugelmir said:

Serdar048 said:

Thrugelmir said:

Serdar048 said:

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

Do they do valuation still in this current situation ? I have not heard anything since last thursday they sent to underwriter

Valuations are critical. The money won't be advanced unless the property offers adequate security. 

I meant do surveyors will carry out any work in this covid-19 lockdown ? 

That may depend on individual firms. Much of industry and commerce does appear to be shutting down of it's own accord. Without waiting for further guidance. 

I have just phoned halifax ask about mu application no update but they said business as usual so they will carry out doimg work but might be delay on applications 

hotnoise

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

I received mine via email, direct from the agent.
Application went in on the 25th February with approval received on 20th March.

mard3010

hotnoise said:

mard3010 said:

Update guys:
Got the valuation today, waiting for full offer to come within the next 3 days hopefully.
We are now waiting for the ATP from the HTB agent, which has been already 2 weeks since we submitted it. Has anyone got their ATP (if doing HTB), does it come by post?
Cheers,

I received mine via email, direct from the agent.
Application went in on the 25th February with approval received on 20th March.

I just got the ATP from the agent.