Kent reliance

aleeek

ruby16 said:

aleeek said:

ruby16 said:

I think my main worry is my mortgage failed with previous lender on affordability right at the last minute 😩😩 everything else was fine so I’ve had to get a new lender (Kent) quickly as the person I’m buying from is ready to move so it’s all a massive panic! Valuation was done Wednesday and now is apparently with underwriters pending valuation approval 😩 direct debit mandate form was last thing to go back so now just praying 

Where did you fail last? The lender decided at the last minute that it's not affordable after application? 

Leeds yes at underwriter stage x

Did you have a mortgage in principle from them before? Did your broker assess its affordable and put you forward and then the bank turned you down? 

ruby16

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

I think my main worry is my mortgage failed with previous lender on affordability right at the last minute 😩😩 everything else was fine so I’ve had to get a new lender (Kent) quickly as the person I’m buying from is ready to move so it’s all a massive panic! Valuation was done Wednesday and now is apparently with underwriters pending valuation approval 😩 direct debit mandate form was last thing to go back so now just praying 

Where did you fail last? The lender decided at the last minute that it's not affordable after application? 

Leeds yes at underwriter stage x

Did you have a mortgage in principle from them before? Did your broker assess its affordable and put you forward and then the bank turned you down? 

Yes x apparently being really strict with everything at moment I was buying a bigger share so Could of been why

aleeek

ruby16 said:

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

I think my main worry is my mortgage failed with previous lender on affordability right at the last minute 😩😩 everything else was fine so I’ve had to get a new lender (Kent) quickly as the person I’m buying from is ready to move so it’s all a massive panic! Valuation was done Wednesday and now is apparently with underwriters pending valuation approval 😩 direct debit mandate form was last thing to go back so now just praying 

Where did you fail last? The lender decided at the last minute that it's not affordable after application? 

Leeds yes at underwriter stage x

Did you have a mortgage in principle from them before? Did your broker assess its affordable and put you forward and then the bank turned you down? 

Yes x apparently being really strict with everything at moment I was buying a bigger share so Could of been why

Wow, that's got me a little worried now. Did you have adverse credit or anything? 

happyday20

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

I think my main worry is my mortgage failed with previous lender on affordability right at the last minute 😩😩 everything else was fine so I’ve had to get a new lender (Kent) quickly as the person I’m buying from is ready to move so it’s all a massive panic! Valuation was done Wednesday and now is apparently with underwriters pending valuation approval 😩 direct debit mandate form was last thing to go back so now just praying 

Where did you fail last? The lender decided at the last minute that it's not affordable after application? 

Leeds yes at underwriter stage x

Did you have a mortgage in principle from them before? Did your broker assess its affordable and put you forward and then the bank turned you down? 

Yes x apparently being really strict with everything at moment I was buying a bigger share so Could of been why

Wow, that's got me a little worried now. Did you have adverse credit or anything? 

I think it’s because she was buying a bigger share x try not to worry everyone’s situation is different xx

ruby16

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

aleeek said:

ruby16 said:

I think my main worry is my mortgage failed with previous lender on affordability right at the last minute 😩😩 everything else was fine so I’ve had to get a new lender (Kent) quickly as the person I’m buying from is ready to move so it’s all a massive panic! Valuation was done Wednesday and now is apparently with underwriters pending valuation approval 😩 direct debit mandate form was last thing to go back so now just praying 

Where did you fail last? The lender decided at the last minute that it's not affordable after application? 

Leeds yes at underwriter stage x

Did you have a mortgage in principle from them before? Did your broker assess its affordable and put you forward and then the bank turned you down? 

Yes x apparently being really strict with everything at moment I was buying a bigger share so Could of been why

Wow, that's got me a little worried now. Did you have adverse credit or anything? 

Apparently kent are not as picky as leeds have been recently I have good credit etc. I’ve had valuation done through Kent, have returned dd mandate etc so just waiting to hear x

dannik

really really hoping we all have some good news this week guys and girls 🤞🏻🤞🏻

happyday20

Me too. I can’t wait anymore lol, we have our valuation on Wednesday. Does anyone know how long after roughly do you wait to hear if you get an offer? Xx

aleeek

I'll stop panicking then! In terms of the valuation I think it takes around 4 working days for a report to get back and then as with any docs it's 6 working days until its reviewed. That's what my broker said anyway. Hopefully some good news for us all next week! 

dannik

happyday20 said:

Me too. I can’t wait anymore lol, we have our valuation on Wednesday. Does anyone know how long after roughly do you wait to hear if you get an offer? Xx

I would like to know this too! Our valuation was done 16th October. Theyve had additional docs and questions answered for a couple of weeks and not heard anything, not sure if it’s in the mortgage offer queue or if we will be required to answer more questions and provide even more docs? MB said we should know more after tomorrow 🤞🏻🤞🏻

samw2311

dannik said:

samw2311 said:

dannik said:

happyday20 said:

Hello all. I’m just wondering how do we find out if we get a mortgage offer? Via phone call? Text or post? 

Hi! I would like to know the same as I know some lenders send texts out but not sure about Kent? Xx

Through broker, and recieved a letter In the post today 

Thank you!! 

How many weeks did it take from when you submitted application to offer? Xx

8.5 weeks