Waiting on mortgage

janeindevon

TWIGLET1234 said:

A week ago today and still waiting- Santander

I’m Santander too, awaiting valuation, mine went in a week ago also but has already been to underwriter

heatherdob

Hello, application went in today with Accord Mortgages! Why does it have to be Friday

Competsoph

Hi everyone 🤗

A little late to the party here but joining as I’d love to keep up to date on everyone’s purchase. 

I’m FTB, broker submitted application yesterday, HSBC asking for payslips today. Apparently no valuation fee or product fee on product I have chosen so assuming I’ll just get an answer next?

Surprisingly I feel somewhat calm about things at the moment, I’m sure this will change! I have 1 million questions about the process and hoping to get some advice from this forum. Good luck to all!

j_s2020

Competsoph said:

Hi everyone 🤗

A little late to the party here but joining as I’d love to keep up to date on everyone’s purchase. 

I’m FTB, broker submitted application yesterday, HSBC asking for payslips today. Apparently no valuation fee or product fee on product I have chosen so assuming I’ll just get an answer next?

Surprisingly I feel somewhat calm about things at the moment, I’m sure this will change! I have 1 million questions about the process and hoping to get some advice from this forum. Good luck to all!

Good luck! I’m in a similar position with no valuation fee (Santander) so I’m assuming I won’t be kept in the loop on that side.  The lender have come back twice asking for additional supporting documentation, which I hope is absolutely normal 🙏🏻  7 business days so far... 

TWIGLET1234

@j_s2020 Also Santander! Application went in on 28 May. Been asked for more documents and given more questions twice. Think it’s normal but doesn’t help nerves. We are thinking we’ll either get an answer or more questions Monday/ Tuesday this week. 

j_s2020

@TWIGLET1234 Thanks for posting and best of luck for the coming week! May I ask, did you go through a Broker? We did, submitted on 3rd June, received one SMS from Santander “thanks for your application..” but no further messages of progress update since. Based on your timeline I guess we need to dig out a little more patience from somewhere 😬

TWIGLET1234

@j_s2020
yes we used a broker and like you, had one text at the start but the broker has been forwarding all of the email updates she receives. Our case is not a standard one with one of us being employed and the other Ltd Co Director (so self employed in mortgage terms). Many of the questions have been to confirm his income and structure etc. 

I am told that they are working on 48 hours turnaround when your case lands back at the underwriter. 

Good luck with yours! 

Enerzeal

28th of may our broker submitted application.

1st of june asked for may bank slips.

9th of june valuation money requested.

10th of june additional paperwork, proof of income (child benefit/tax credits) requested.

Dont know if anything here is positive... on the edge of our seats here!

Were with Natwest, anyone see any positives here??

Competsoph

@j_s2020 I’m assuming as in @Enerzeal post above, we will not receive request for money for valuation at that is included in our product for free. I’d like to know when the valuation is planned for and completed, hope my broker keeps me in the loop with it all!

Competsoph

Enerzeal said:

28th of may our broker submitted application.

1st of june asked for may bank slips.

9th of june valuation money requested.

10th of june additional paperwork, proof of income (child benefit/tax credits) requested.

Dont know if anything here is positive... on the edge of our seats here!

Were with Natwest, anyone see any positives here??

All sounds pretty standard, I’d try not to worry!