Kent reliance

Rc0105

SuseOrm said:

@Rc0105 I have everything crossed for you I hope it goes through

Thankyou I will keep you posted if there’s anything that pops up!

Rc0105

SuseOrm said:

lc2022 said:

SuseOrm said:

lc2022 said:

SuseOrm said:

Are there any common themes of things that have been flagged on bank statements that people should look out for I’m just thinking like if we could compile a list of what to be concerned about ? 

Don’t panic too much, honestly I know it’s hard because I did and I had stuff that I thought would make me get rejected.for example, my partner had sent me money using a rude reference quite a few times, I stressed to my broker how worried I was, but it was fine. All they really want to check is your not a fraudster and you have money going in each month to pay the mortgage 😀 you will be fine! X 

Thank you,  youre right it is so stressy,  I think it’s just made worse by the fact that I’m living in an absolute dump that I’m paying double the rent that I would be paying our mortgage for and I’m so desperate to get this house to get out of here.  I think I might turn to alcohol to get me through 🤣

Lol. It is the most stressful thing I’ve ever done, but if you have a good broker, you will be fine! Just keep your mind occupied! It’s hard I know, lol I cried lots and had lots of hissy fits, but here we are waiting for confirmation of exchange today! Luckily I didn’t have the stress of living somewhere else, straight from my parents, so I can’t comment on that but sounds pretty crap. Will keep my fingers crossed for you. 

Don’t turn to alcohol to much, you’ll have no money to pay your mortgage when it comes through 😀😂🤞🏼 Xx

I think this is the problem I’ve literally no confidence in brokers I know there are good ones out there for we got declined for a mortgage last year because one broker keyed in that I had one child and my child benefit showed that I had to and then tried to blame me for telling them that I only had one child as if I would forget that I had to I mean really.  Just absolutely no responsibility or accountability if they get anything wrong.  I think that’s just how the world is now though.  

I do have zero confidence in my broker currently but I know not everyone is like that it’s just finding the right fit

lc2022

Rc0105 said:

SuseOrm said:

lc2022 said:

SuseOrm said:

lc2022 said:

SuseOrm said:

Are there any common themes of things that have been flagged on bank statements that people should look out for I’m just thinking like if we could compile a list of what to be concerned about ? 

Don’t panic too much, honestly I know it’s hard because I did and I had stuff that I thought would make me get rejected.for example, my partner had sent me money using a rude reference quite a few times, I stressed to my broker how worried I was, but it was fine. All they really want to check is your not a fraudster and you have money going in each month to pay the mortgage 😀 you will be fine! X 

Thank you,  youre right it is so stressy,  I think it’s just made worse by the fact that I’m living in an absolute dump that I’m paying double the rent that I would be paying our mortgage for and I’m so desperate to get this house to get out of here.  I think I might turn to alcohol to get me through 🤣

Lol. It is the most stressful thing I’ve ever done, but if you have a good broker, you will be fine! Just keep your mind occupied! It’s hard I know, lol I cried lots and had lots of hissy fits, but here we are waiting for confirmation of exchange today! Luckily I didn’t have the stress of living somewhere else, straight from my parents, so I can’t comment on that but sounds pretty crap. Will keep my fingers crossed for you. 

Don’t turn to alcohol to much, you’ll have no money to pay your mortgage when it comes through 😀😂🤞🏼 Xx

I think this is the problem I’ve literally no confidence in brokers I know there are good ones out there for we got declined for a mortgage last year because one broker keyed in that I had one child and my child benefit showed that I had to and then tried to blame me for telling them that I only had one child as if I would forget that I had to I mean really.  Just absolutely no responsibility or accountability if they get anything wrong.  I think that’s just how the world is now though.  

I do have zero confidence in my broker currently but I know not everyone is like that it’s just finding the right fit

Not sure if you can change now? But the broker we used was Stephen lye from bluebell mortgages. He’s absolutely brilliant. Worth a try if you can switch! 

Rc0105

lc2022 said:

Rc0105 said:

SuseOrm said:

lc2022 said:

SuseOrm said:

lc2022 said:

SuseOrm said:

Are there any common themes of things that have been flagged on bank statements that people should look out for I’m just thinking like if we could compile a list of what to be concerned about ? 

Don’t panic too much, honestly I know it’s hard because I did and I had stuff that I thought would make me get rejected.for example, my partner had sent me money using a rude reference quite a few times, I stressed to my broker how worried I was, but it was fine. All they really want to check is your not a fraudster and you have money going in each month to pay the mortgage 😀 you will be fine! X 

Thank you,  youre right it is so stressy,  I think it’s just made worse by the fact that I’m living in an absolute dump that I’m paying double the rent that I would be paying our mortgage for and I’m so desperate to get this house to get out of here.  I think I might turn to alcohol to get me through 🤣

Lol. It is the most stressful thing I’ve ever done, but if you have a good broker, you will be fine! Just keep your mind occupied! It’s hard I know, lol I cried lots and had lots of hissy fits, but here we are waiting for confirmation of exchange today! Luckily I didn’t have the stress of living somewhere else, straight from my parents, so I can’t comment on that but sounds pretty crap. Will keep my fingers crossed for you. 

Don’t turn to alcohol to much, you’ll have no money to pay your mortgage when it comes through 😀😂🤞🏼 Xx

I think this is the problem I’ve literally no confidence in brokers I know there are good ones out there for we got declined for a mortgage last year because one broker keyed in that I had one child and my child benefit showed that I had to and then tried to blame me for telling them that I only had one child as if I would forget that I had to I mean really.  Just absolutely no responsibility or accountability if they get anything wrong.  I think that’s just how the world is now though.  

I do have zero confidence in my broker currently but I know not everyone is like that it’s just finding the right fit

Not sure if you can change now? But the broker we used was Stephen lye from bluebell mortgages. He’s absolutely brilliant. Worth a try if you can switch! 

Thankyou I keep will that in mind😊well if this application doesn’t go through I will keep him in mind for future reference.

Rc0105

Does anyone have the name of the company that KR use to do the mortgage valuation? 

SuseOrm

Rc0105 said:

Does anyone have the name of the company that KR use to do the mortgage valuation? 

My valuation is actually booked for tomorrow I can’t believe I quickly that’s happened only paid for on Saturday but I’ll try and ask the question of my Estate Agent

Rc0105

SuseOrm said:

Rc0105 said:

Does anyone have the name of the company that KR use to do the mortgage valuation? 

My valuation is actually booked for tomorrow I can’t believe I quickly that’s happened only paid for on Saturday but I’ll try and ask the question of my Estate Agent

Well I had a call yesterday from the values but they rang me by accident so my application went in on Monday and my valuation is being done tomorrow 😊

SuseOrm

Rc0105 said:

SuseOrm said:

Rc0105 said:

Does anyone have the name of the company that KR use to do the mortgage valuation? 

My valuation is actually booked for tomorrow I can’t believe I quickly that’s happened only paid for on Saturday but I’ll try and ask the question of my Estate Agent

Well I had a call yesterday from the values but they rang me by accident so my application went in on Monday and my valuation is being done tomorrow 😊

I was just reading through all the previous comments from the summer when it seem to be taking 2 to 3 weeks to go through hopefully it’s a bit quicker now !

lc2022

Good luck both. It was only a few days from valuation to mortgage offer for me, and I’ve now exchanged completing Monday! I keep checking back on here for your updates 🥺 got everything crossed for you 

Rc0105

lc2022 said:

Good luck both. It was only a few days from valuation to mortgage offer for me, and I’ve now exchanged completing Monday! I keep checking back on here for your updates 🥺 got everything crossed for you 

Thankyou so much will keep you updated 😃 that’s fab news for you!