Waiting on mortgage

PERMOTIO

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??

I'm facing similar delays, apart from the fact my accounts haven't been reviewed yet - I was told that something was stuck in their system and I haven't been reviewed by an underwriter. Keeping my fingers crossed I hear back next week; getting frustrated and increasingly anxious! Good luck to you.

Vanessa1215

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

PERMOTIO

Vanessa1215 said:

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

Congratulations! What does your tracker say RE: valuation? Mine previously said they were waiting for me to pay for the valuation, then they conducted a desktop one within 24 hrs.

TWIGLET1234

Slowly losing the will to live now....we are 18 days since full application made and still no news. I keep saying to myself "this time tomorrow we will know" but it never happens....always more questions, and then to the back of the queue. The underwriting queue appears to be very long at the moment. So frustrating. Just be nice to know either way now!!

upthegarry

Vanessa1215 said:

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

just got my formal offer form Natwest :-) 19th May my full application went in

PERMOTIO

TWIGLET1234 said:

Slowly losing the will to live now....we are 18 days since full application made and still no news. I keep saying to myself "this time tomorrow we will know" but it never happens....always more questions, and then to the back of the queue. The underwriting queue appears to be very long at the moment. So frustrating. Just be nice to know either way now!!

I'm in exactly the same boat. I keep chasing too and they promise I'll hear something by the next day and that they'll push by case but nothing seems to happen. It's so frustrating! 

Vanessa1215

PERMOTIO said:

Vanessa1215 said:

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

Congratulations! What does your tracker say RE: valuation? Mine previously said they were waiting for me to pay for the valuation, then they conducted a desktop one within 24 hrs.

My tracker says 'A valuation has been instructed and we are now awaiting your client's survey report.' from the day I submitted application. I applied a product with free valuation.  
However, my broker said it hasn't been booked, also she got quite annoyed when we asked her the 2nd time in last week. So I don't know should I ask again or just wait......

Vanessa1215

TWIGLET1234 said:

Slowly losing the will to live now....we are 18 days since full application made and still no news. I keep saying to myself "this time tomorrow we will know" but it never happens....always more questions, and then to the back of the queue. The underwriting queue appears to be very long at the moment. So frustrating. Just be nice to know either way now!!

May I ask what questions they have been asking your please? And which lender are you with?

Vanessa1215

upthegarry said:

Vanessa1215 said:

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

just got my formal offer form Natwest :-) 19th May my full application went in

Congratulations! It seems I am 3 weeks behind you.

I read from your other post said they were waiting for you to pay off all credit cards before giving you an offer. May I ask was this agreed before valuation or how did you know they were waiting this? 

upthegarry

Vanessa1215 said:

upthegarry said:

Vanessa1215 said:

Vanessa1215 said:

My application went in on Monday(8th June) with Natwest through a broker. 
I had a hard search on my file on 4th June for my AIP (if it's through a broker they do a hard search for AIP apparently)
Then I have another soft search on my file on 8th.

On 9th afternoon, our broker called asking for evidence of deposit. 
Nothing heard on 10th.
On this morning (11th), our broker called asking evidence for my middle name. (already provide passport and deed poll for adding middle name, and my middle name appeared on all my pay slips, but they want more, so I provide my driving license) .

Who else with Natwest, have you checked you online tracker? 

Just a quick update, I have received the message through my broker 8:50 this morning (15th June Monday), said:
'We're pleased to let you know your client(s) application has been approved subject to a satisfactory valuation. '
Nothing updated on the online tracker though, it only said 'A valuation has been instructed'.

I heard from different forums that at this stage there are still quite a lot questions could be raised up, such as the valuation comes back lower than the agreed price. Or ask some last minute documents at the final offer stage.
Anyone else with Natwest that have any experience could share with me please? Any thing would very much appreciated. 

just got my formal offer form Natwest :-) 19th May my full application went in

Congratulations! It seems I am 3 weeks behind you.

I read from your other post said they were waiting for you to pay off all credit cards before giving you an offer. May I ask was this agreed before valuation or how did you know they were waiting this? 

just through my broker - i never got anything official that said "agreed subject to....." just that they wanted sight of the zero balance statements. They have been pretty quick at assessing everything though to be fair to them. I also think we got lucky on the valuation timescales as they instructed that on the 21st May and was done on 4th June