Kent reliance

90love

cllola said:

Offer received in the post this morning!! Before the broker knew apparently…2 weeks from application 

Congratulations 🎉 it’s the best feeling ever

90love

cllola said:

Offer received in the post this morning!! Before the broker knew apparently…2 weeks from application 

It took a good few weeks for me and apparently it’s the quickest they’ve ever had to work as I was constantly on their backs about stuff and chasing things up on their behalf which they hated lol
mine would have been all complete in a week if it wasn’t for an error on the land registry.

stay hot on their backs!

SuseOrm

Dumb question…. I cant see anywhere on my mortgage offer that says at the end of the 2 year fix if i want to move to another lender is there a redemption penalty?  Thank you 

Rc0105

Has anyone had to apply for an extension to KR mortgage offer and if so did you get it and how long it lasted for?

shellk82

Hi, Not sure if this thread is still being used but I am new here. We are in the process if applying for a mortgage with KR. We submitted all of our paper work to our mortgage adviser 3 weeks ago and are still waiting. My husband has a couple of things on his credit report (late payment with EE when his contract ended, not on electoral roll for current address and 2 missed car finance payments). The EE payment has been made and he has completed the form for the electoral roll and car finance company have confirmed that this was their fault in writing. We are now waiting for his credit report to be updated. We are trying to buy a 40% share of a shared ownership house. I am so nervous as everything is moving with surveys etc but mortgage no updates on the mortgage. I am just so worried we won't get the mortgage. Does anyone have any idea of turn around times for KR at the moment? Thank you

cllola

shellk82 said:

Hi, Not sure if this thread is still being used but I am new here. We are in the process if applying for a mortgage with KR. We submitted all of our paper work to our mortgage adviser 3 weeks ago and are still waiting. My husband has a couple of things on his credit report (late payment with EE when his contract ended, not on electoral roll for current address and 2 missed car finance payments). The EE payment has been made and he has completed the form for the electoral roll and car finance company have confirmed that this was their fault in writing. We are now waiting for his credit report to be updated. We are trying to buy a 40% share of a shared ownership house. I am so nervous as everything is moving with surveys etc but mortgage no updates on the mortgage. I am just so worried we won't get the mortgage. Does anyone have any idea of turn around times for KR at the moment? Thank you

From reading this thread, turnaround times vary considerably. I got my offer in March 2 weeks after applying but I know some others have taken longer. What does your mortgage broker say? 

cllola

Rc0105 said:

Has anyone had to apply for an extension to KR mortgage offer and if so did you get it and how long it lasted for?

My mortgage broker seems to think a 28 day extension should be granted but I’m not in the position where I’ve had to apply for one yet 

shellk82

cllola said:

shellk82 said:

Hi, Not sure if this thread is still being used but I am new here. We are in the process if applying for a mortgage with KR. We submitted all of our paper work to our mortgage adviser 3 weeks ago and are still waiting. My husband has a couple of things on his credit report (late payment with EE when his contract ended, not on electoral roll for current address and 2 missed car finance payments). The EE payment has been made and he has completed the form for the electoral roll and car finance company have confirmed that this was their fault in writing. We are now waiting for his credit report to be updated. We are trying to buy a 40% share of a shared ownership house. I am so nervous as everything is moving with surveys etc but mortgage no updates on the mortgage. I am just so worried we won't get the mortgage. Does anyone have any idea of turn around times for KR at the moment? Thank you

From reading this thread, turnaround times vary considerably. I got my offer in March 2 weeks after applying but I know some others have taken longer. What does your mortgage broker say? 

He said he is chasing them everyday and will let me know when he has an update. It is just so stressful waiting

Rc0105

cllola said:

Rc0105 said:

Has anyone had to apply for an extension to KR mortgage offer and if so did you get it and how long it lasted for?

My mortgage broker seems to think a 28 day extension should be granted but I’m not in the position where I’ve had to apply for one yet 

cllola said:

Rc0105 said:

Has anyone had to apply for an extension to KR mortgage offer and if so did you get it and how long it lasted for?

My mortgage broker seems to think a 28 day extension should be granted but I’m not in the position where I’ve had to apply for one yet 

Thankyou I’m hoping that I won’t need to do it but the sellers solicitor and my solicitor are just so slow it’s been nearly 7 months now 

PoppySoper

We applied with KR 3 weeks ago Monday our valuation was last Wednesday from checking our check my file they didn't actually look at our credit files until the 12th and asked questions on the 13th we replied the same day by 10am. Still waiting to hear something else.