Kent reliance

stampystamp

Again, not with Kent (Leeds instead) but I did instruct solicitors before we got our mortgage offer. Local searches can take a long time. It took a further three weeks from the day we received the offer for the solicitor to finish off everything.

MSN2220

We instructed solicitors before getting a offer as it was no win no fee so Atleast we won’t loose all the fees we paid for the solicitor. 

happyday20

MSN2220 said:

We instructed solicitors before getting a offer as it was no win no fee so Atleast we won’t loose all the fees we paid for the solicitor. 

Oh that explains it then. We have to pay an upfront fee of £250 and then the remaining balance on completion. We got our AIP almost immediately after applying so I have no concerns why our mortgage offer would be declined. I just know the solicitors can take a while so I’m contemplating whether to instruct them now or wait for the offer.... The wait it driving me insane. We submitted our application on the 20th so it’s only been a few days, hopefully we won’t have to wait too long for an offer 

Longshot101

happyday20 said:

MSN2220 said:

We instructed solicitors before getting a offer as it was no win no fee so Atleast we won’t loose all the fees we paid for the solicitor. 

Oh that explains it then. We have to pay an upfront fee of £250 and then the remaining balance on completion. We got our AIP almost immediately after applying so I have no concerns why our mortgage offer would be declined. I just know the solicitors can take a while so I’m contemplating whether to instruct them now or wait for the offer.... The wait it driving me insane. We submitted our application on the 20th so it’s only been a few days, hopefully we won’t have to wait too long for an offer 

Without trying to be a stick in the mud, I applied for my mortgage with KR on the 5th, and here we are nearly 3 weeks later and a valuation hasn't even been done yet, let alone the full offer.  We too are wondering whether we should now instruct solicitors to start the work. Hope it all goes smoothly for you.  

louisedaisy133

Longshot101 said:

happyday20 said:

MSN2220 said:

We instructed solicitors before getting a offer as it was no win no fee so Atleast we won’t loose all the fees we paid for the solicitor. 

Oh that explains it then. We have to pay an upfront fee of £250 and then the remaining balance on completion. We got our AIP almost immediately after applying so I have no concerns why our mortgage offer would be declined. I just know the solicitors can take a while so I’m contemplating whether to instruct them now or wait for the offer.... The wait it driving me insane. We submitted our application on the 20th so it’s only been a few days, hopefully we won’t have to wait too long for an offer 

Without trying to be a stick in the mud, I applied for my mortgage with KR on the 5th, and here we are nearly 3 weeks later and a valuation hasn't even been done yet, let alone the full offer.  We too are wondering whether we should now instruct solicitors to start the work. Hope it all goes smoothly for you.  

Who are you using you using ? Our full mortgage application was submitted on the 25 valuation was done one the 28th all searches done last bit of information sent back on Monday and still not heard back yet honestly it takes ages hopefully if it was going to go wrong it would of by now .. have you paid for a valuation? X

rachlikeswinter

I instructed my solicitor on the same day I got accepted by the housing association (I'm buying shared ownership) and made the mortgage application - I was basically told I had to instruct in order to progress the sale with the HA. So I've only paid initial search fees (and I believe they've only just instructed searches, as everyone says, they can take weeks) and in the meantime I'm waiting for my mortgage offer. So everything is happening in tandem. All the rest of the fees are payable on completion.

If for any reason I get declined (touch wood it'll be ok though) then yes I'll lose a bit of money in fees, but I'm aware of that risk and essentially I had to in order to progress along the 28 day timeline - which has been discussed a few comments back. Quirks of SO I guess?

I've had no news today so going by the 6 working day thing, it'll be Tuesday I hear now.

Loulou0404

Finally KR have requested something it’s the direct debit mandate they don’t need anything else.  Today was last day with senior underwriter. Hoping this is a good sign 🤞 MA said once I’ve signed they will be able to proceed. Anyone else filled one had one sent? 

happyday20

Loulou0404 said:

Finally KR have requested something it’s the direct debit mandate they don’t need anything else.  Today was last day with senior underwriter. Hoping this is a good sign 🤞 MA said once I’ve signed they will be able to proceed. Anyone else filled one had one sent? 

I filled out my Direct Debit mandate form prior to submitting my full application as the MB said I had to do that. I’m sure it’s a good sign 😊 I hope you get your offer soon 

samw2311

happyday20 said:

Longshot101 said:

Loulou0404 said:

Longshot101 said:

Hi all.  I'm going through the same process. Applied for a mortgage with KR on the 5th October.  We were asked for a statement last week, but the broker has informed me they are working on a 6 working day turnaround to look at anything.  So the latest will be this Monday they even review this document, let alone book the valuation.  

How long do the solicitors...etc take on average AFTER we receive the mortgage application, does anyone know?  Just trying to get some sort of idea as to where we are! 
Thanks! 

My solicitor said anything between 8-12 weeks. Mine has received contract from my sellers solicitor today and the searches are done. Literally waiting on offer now! 

Thanks LouLou - So, did you instruct your solicitors to do work before you received the mortgage offer?  Sorry I'm a bit of a newb!  We were told by our MB to not instruct solicitors to start work until we received the mortgage offer in case we are declined?

Thanks

My MA said the same thing, not to instruct the solicitors until the mortgage offer came through. But I’m just wondering if anyone instructed solicitors before getting an offer. I’m just worried it might delay everything. 

we instructed 4 weeks ago and still haven’t got our offer. We paid an extra £50 to insure our money so we only lost the searches money if it all falls through. Which isn’t much at all. We’ve been told by Kent they just need 1 document changing spelling on and then we have our offer. We did it because Otherwise your looking at a hefty wait. 

samw2311

Longshot101 said:

happyday20 said:

MSN2220 said:

We instructed solicitors before getting a offer as it was no win no fee so Atleast we won’t loose all the fees we paid for the solicitor. 

Oh that explains it then. We have to pay an upfront fee of £250 and then the remaining balance on completion. We got our AIP almost immediately after applying so I have no concerns why our mortgage offer would be declined. I just know the solicitors can take a while so I’m contemplating whether to instruct them now or wait for the offer.... The wait it driving me insane. We submitted our application on the 20th so it’s only been a few days, hopefully we won’t have to wait too long for an offer 

Without trying to be a stick in the mud, I applied for my mortgage with KR on the 5th, and here we are nearly 3 weeks later and a valuation hasn't even been done yet, let alone the full offer.  We too are wondering whether we should now instruct solicitors to start the work. Hope it all goes smoothly for you.  

We submitted ours 6 nearly 7 weeks ago and still no Offer... very slow process