Kent reliance

JustMe18

LouLou80lou said:

Hi just jumping on this thread - how has every one got on recently? I applied 10 days ago they have requested a few more documents the waiting is stressful. How long have ppl been waiting for offer ?

We have applied on 27/12 , they did valuation on the 4th of January, affordability & valuation was fine, credit score fine, but sadly were refused offer on 16th. We have been outlined some things to fix and re-applying now on 24th of February.

LouLou80lou

Oh really - they keep coming back to me questioning debts that I have being paid every week out of bank - not had any missed payments for over 2 years both me and husband have 1 default each from 2 years ago no failed DD in 2 years. I am currently living with parents so I could save the deposit which we have more than enough for a 10% deposit. Just hope these debts don’t affect us but they are all being paid and like I say not had any missed payments etc … they just want to know absolutely everything that comes and goes out of bank. 

Hopefully u will be approved this time round 

LouLou80lou

Yay we got our offer today took less than 3 weeks did come back and forth with questions on around some debts but apart from that seemed pretty easy … anyone waiting stick with it and good luck 

MacBook

 LouLou80lou said:

Yay we got our offer today took less than 3 weeks did come back and forth with questions on around some debts but apart from that seemed pretty easy … anyone waiting stick with it and good luck 

Congratulations 🥳, 
I’m in the process of mortgage application with KR , buying new build on 50% shared ownership, with 10% deposit , through Metro , submitted the application last week and paid the valuation fee ,.credit score is good , but couple of returned DD in one of the 3 months bank statements, KR have asked to confirm if this is been paid and supported documents , provided all yesterday , I’m stressed now .

JustMe18

MacBook said:

 LouLou80lou said:

Yay we got our offer today took less than 3 weeks did come back and forth with questions on around some debts but apart from that seemed pretty easy … anyone waiting stick with it and good luck 

Congratulations 🥳, 
I’m in the process of mortgage application with KR , buying new build on 50% shared ownership, with 10% deposit , through Metro , submitted the application last week and paid the valuation fee ,.credit score is good , but couple of returned DD in one of the 3 months bank statements, KR have asked to confirm if this is been paid and supported documents , provided all yesterday , I’m stressed now .

did you get it accepted in the end?  we our now re-applying second time ( got declined by KR for exactly the same  - returned DD in October, never caused a late payment though), so we have re-applied again. Waiting game starts now...

befree93

Just wondered if anyone had any new updates with Kent Reliance? Just submitted my application and so nervous!

jbeebey

Thought I would reopen this as no doubt there is someone out there similar to me who has read the 130 pages of this thread whilst waiting.

AIP - 13.12.2024
Full application - 17.12.2024
Valuation - 02.01.2025
Offer - 09.01.2025

I am over the moon!

This comes after I was declined by Vida Homeloans in October after they took over 8 weeks just requesting documents.