Vida Homeloans return to market?

sirjp82

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

Exactly same position my update was supposed to be today and for the 3rd week running. The update is to wait another week .  So now 3rd dec. .
I am going to contact the fca if I get same update next week 

Emeljay19

sirjp82 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

Exactly same position my update was supposed to be today and for the 3rd week running. The update is to wait another week .  So now 3rd dec. .
I am going to contact the fca if I get same update next week 

Oh no 😫 I’ve been told tomorrow but I’m not holding my breath. So frustrating, I feel your pain ☹️

Resnik001

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

😂😂, and it’s either some subscription wanting money or Costa coffee 

mariesch1

well our update today after putting in all the new updated wage slips as the others were out of date after waiting so long. All documents accepted and update is..................back in the queue and another upto 12 days yay!

bell2020

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

You have to go to the menu, top left! And then select "your full credit report" or whatever it says... then when it takes you to it select the drop down menu that says "id like to see my.." and select search history!

If you start again its going to be several more months. The adverse credit lenders that use human underwriters and not computerised take forever! Bluestone are just aslong i think after previously reading through the comments on here, and their rates are alot higher. We were quoted 3.79% in our AIP which I think is great for an adverse credit mortgage! 

bell2020

Resnik001 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

😂😂, and it’s either some subscription wanting money or Costa coffee 

😂 exactly! How are you guys getting on?

bell2020

mariesch1 said:

well our update today after putting in all the new updated wage slips as the others were out of date after waiting so long. All documents accepted and update is..................back in the queue and another upto 12 days yay!

12 days??? Oh my goodness!!!! 

Emeljay19

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

You have to go to the menu, top left! And then select "your full credit report" or whatever it says... then when it takes you to it select the drop down menu that says "id like to see my.." and select search history!

If you start again its going to be several more months. The adverse credit lenders that use human underwriters and not computerised take forever! Bluestone are just aslong i think after previously reading through the comments on here, and their rates are alot higher. We were quoted 3.79% in our AIP which I think is great for an adverse credit mortgage! 

Yeah, I think I was just having a wobble yesterday. My broker called me in the evening and calmed me down a bit 🤣
That is really good. I know the bluestone rates are ridiculous. 

I’ve been told that I will 100% have the yes or no by tomorrow now. Although they have said this before, we will see 

mariesch1

bell2020 said:

mariesch1 said:

well our update today after putting in all the new updated wage slips as the others were out of date after waiting so long. All documents accepted and update is..................back in the queue and another upto 12 days yay!

12 days??? Oh my goodness!!!! 

Yes but today they came back with another few questions which i a in the process of answering. On the other hand we had to get a builder round to the property in the meantime as there were quite a few issues with the property and we have been quoted 6,500 for the works but owner is refusing to budge and has said they will remarket it so i now have a choice.

bell2020

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

You have to go to the menu, top left! And then select "your full credit report" or whatever it says... then when it takes you to it select the drop down menu that says "id like to see my.." and select search history!

If you start again its going to be several more months. The adverse credit lenders that use human underwriters and not computerised take forever! Bluestone are just aslong i think after previously reading through the comments on here, and their rates are alot higher. We were quoted 3.79% in our AIP which I think is great for an adverse credit mortgage! 

Yeah, I think I was just having a wobble yesterday. My broker called me in the evening and calmed me down a bit 🤣
That is really good. I know the bluestone rates are ridiculous. 

I’ve been told that I will 100% have the yes or no by tomorrow now. Although they have said this before, we will see 

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Emeljay19 said:

bell2020 said:

Just seen this on Vidas website!!

"We are striving to provide the best possible outcomes for our customers, while maintaining our commitment to lending responsibly. We now need to think about how we carefully manage our existing pipeline of applications to enable customers to complete their transactions before the end of the Stamp Duty Holiday and current Help to Buy scheme on 31st March 2021. Protecting service levels and giving certainty to those customers already in our pipeline has to be the right priority for us and we have therefore decided to make a number of temporary reductions to our residential product range, removing all products for new purchase applications. We will launch a new and fully invigorated product range in the New Year."

I’ve just spoken to my broker about this as we are expecting a decision today. This has now been pushed back to tomorrow 😫
My broker has confirmed that it’s new applications only 

Yes it says for new purchases only. I just thought it would be a good thing for us as maybe things will be done quicker 🤞

I really hope so. I’m so frustrated today. Was promised a decision and it’s been put back to tomorrow. Just feel like I’m being fobbed off if I’m honest. I’ve lost all faith that I’m going to get a mortgage offer out of this 😫

I'm the same, honestly. I am spending my days refreshing emails incase the broker contacts, refreshing our solicitors app for updates and checking this page constantly 🙈 I've rang our solicitor 4 times and messaged her and have had no answer!! Still waiting to hear if they've received valuation report and how long to expect an update. Hate not knowing whats going on, I'm a control freak 😩 have you had any hard checks on your credit file? We had one on 24th sept, the day our application went in but we had another last Friday 🤷‍♀️

I’ve stopped my subscription once I got the AIP so I have no clue. I’ve got credit karma but don’t think that’s the right credit reference agency and doesn’t even show my AIP soft search. 

My broker has said that credit checks are fine, valuation fine, affordability fine only issue is my partners address history. I’ve uploaded online bank statements but they need approving by the senior underwriter and then we will get the yes or no. 

I’m just sick of being told it will be tomorrow every single day! 

Doesn’t seem to be much news of any approvals just recently either 😫
I’m a control freak also and a serious over thinker. Can’t go another night with no sleep ☹️

Are you signed up to the MSE credit club? You can view your Experian credit report on there for free. 

We had the same thing with the address history but we passed all the underwriting so it was obviously fine. Theyve taken their times off their website too so can't even track that now ha ha!

Yes, I signed up the other day. It shows searches but not who unless I’m going crazy! 

I’m honestly considering trying a different broker and seeing if I can go with a different company. We had a AIP with bluestone originally and were persuaded to go with Vida after passing qualification with the builders mortgage broker. I’m really regretting my decision now. The house we are hoping to buy is ready & we are supposed to be completing on Friday 😢 

You have to go to the menu, top left! And then select "your full credit report" or whatever it says... then when it takes you to it select the drop down menu that says "id like to see my.." and select search history!

If you start again its going to be several more months. The adverse credit lenders that use human underwriters and not computerised take forever! Bluestone are just aslong i think after previously reading through the comments on here, and their rates are alot higher. We were quoted 3.79% in our AIP which I think is great for an adverse credit mortgage! 

Yeah, I think I was just having a wobble yesterday. My broker called me in the evening and calmed me down a bit 🤣
That is really good. I know the bluestone rates are ridiculous. 

I’ve been told that I will 100% have the yes or no by tomorrow now. Although they have said this before, we will see 

We have our wobbles 😂 hopefully you'll have an answer today - i have everything crossed for you!!