Vida Homeloans return to market?

Ismaimran

AJ1907 said:

Amy32 said:

AJ1907 said:

Apparently Vida are shut from 23rd Dec to 4th of January, despite their website saying otherwise. I assume there have been no new offers on the forum?

No. Our mortgage advisor said today we should hear something but doesn’t look like it now as it’s 5. 

Hopefully you will hear back tomorrow.

Have u heard anything 

AJ1907

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

It seems like those who applied in October (including myself) are still waiting. And with the underwriters on a break after today till Jan 4th, I assume you may not receive a decision till sometime in January.

SarahMayhtb

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

Hi, 

I think I’ve seen a review from you on trustpilot possibly? Our application was submitted in October. We are still waiting to be underwritten and so I think you’ll have a little wait still if yours went in in November. Apparently Vida were taking about 50 applications per day in October/November before they closed their doors which is why they are so behind, each submission date they’re working too is taking 3-4 working days to get through. Although they are expecting to speed up (apparently) as they work through the pipeline. But I expect you’ve possibly got a few weeks until you get to underwriting stage...sorry! Try not to panic though because Vida take all kinds of bad credit...as long as you meet their criteria and your affordability is good you should be OK 👌🏻 

Ismaimran

SarahMayhtb said:

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

Hi, 

I think I’ve seen a review from you on trustpilot possibly? Our application was submitted in October. We are still waiting to be underwritten and so I think you’ll have a little wait still if yours went in in November. Apparently Vida were taking about 50 applications per day in October/November before they closed their doors which is why they are so behind, each submission date they’re working too is taking 3-4 working days to get through. Although they are expecting to speed up (apparently) as they work through the pipeline. But I expect you’ve possibly got a few weeks until you get to underwriting stage...sorry! Try not to panic though because Vida take all kinds of bad credit...as long as you meet their criteria and your affordability is good you should be OK 👌🏻 

Hi yes thanks for the reply yes I put in a review also on trust pilot but didn't get far lol as u cant get replies from customer etc. One here at least you can discuss with one another 
When the valuation was instructed the broker said that there were happy with all documents and will instruct valuation but that was like 4 weeks ago know...and then silennnntttt after. 
Its driving me mad and I wasnt aware there close until I read all feeds on here. 

mariesch1

Amy32 said:

AJ1907 said:

Apparently Vida are shut from 23rd Dec to 4th of January, despite their website saying otherwise. I assume there have been no new offers on the forum?

No. Our mortgage advisor said today we should hear something but doesn’t look like it now as it’s 5. 

Have you had any news from anyone today had my fingers crossed for you for good news for Xmas.

Ismaimran

Hi 
If anyone could help me on how u can check when a hard check is done on credit file..I had a soft search done on 1st December. I'm checking on checkmyfile

Amy32

mariesch1 said:

Amy32 said:

AJ1907 said:

Apparently Vida are shut from 23rd Dec to 4th of January, despite their website saying otherwise. I assume there have been no new offers on the forum?

No. Our mortgage advisor said today we should hear something but doesn’t look like it now as it’s 5. 

Have you had any news from anyone today had my fingers crossed for you for good news for Xmas.

No unfortunately 😢 another couple of weeks now! 

Amy32

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

Hopefully you hear back soon. We submitted our application early October and haven’t heard back yet, so I guess it depends when in November you submitted. 

Ismaimran

Amy32 said:

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

Hopefully you hear back soon. We submitted our application early October and haven’t heard back yet, so I guess it depends when in November you submitted. 

Ours was end of October/first week of November I dont know exactly the date...have u had valuation done?....we have not asked to give any more documents at the moment so done know if there will ask for anything 

Amy32

Ismaimran said:

Amy32 said:

Ismaimran said:

Hi sorry to interrupt in a middle of the feed...but just needed some advice. We have a full application going through since start of November..valuation took place 27th November. We only heard back on monday about the valuation Monday 20th December. Just on edge at the moment with this all as we got rejected from high street lender and vida was our last hope. We put in offer in September so its been a while we had 10 weeks to complete but due to mortgage and lockdown delays it's gone way over the 10 weeks. We paid a reservation fee of £1000 so the house would be listed as sold as the house was very popular. We will loose the money if we dont end up buying the house. Sellers are pushing for the sale etc...and our solicitor are on hold until the offer is not made. My husbands credit history is very good and mines not soo good due to stupidity when younger lol however did tell the mortgage broker about this before getting a DIP. I belive the broker is using a packager for the service etc.

Just on edge at the moment like a few of you on here. Would love some advice from anyone. 

Hopefully you hear back soon. We submitted our application early October and haven’t heard back yet, so I guess it depends when in November you submitted. 

Ours was end of October/first week of November I dont know exactly the date...have u had valuation done?....we have not asked to give any more documents at the moment so done know if there will ask for anything 

Yes valuation done ✔️