Kent reliance

lejones91

happyday20 said:

lejones91 said:

happyday20 said:

lejones91 said:

Just to update you all in case anyone ever gets an under value from surveyor always appeal as I won the appeal! Just awaiting mortgage offer now 

That’s great news 😊 How long after your valuation did they let you know it was down valued? We had ours last week Wednesday 11/11 and we’re hoping to have an update tomorrow and hopefully in the offer queue like you 😊🤞🏼

The valuation was done on 1st October and I didn't hear back until 3rd Nov so it was a good few weeks but I think this was just due to the fact I had to go back to them with an ESW1 form which caused delays and then the down value, I think every situation is different but Kent Reliance are quite slow. Fingers crossed you will hear soon!

Oh wow that’s a long wait. Our MB said we should have an update from the underwriter tomorrow regarding our valuation then we should hopefully have our offer by Tuesday (going by the wait times KR gave our MB) have they said you are going into the offer queue now? Thank you, good luck to you too 😊🤞🏼

It has been a long and painful wait but your message makes me feel more hopeful that my offer won't be too much longer now. Hopefully we might both have offers this time next week then! Keep me updated  

lejones91

Maaxx said:

Hi everyone, I'm so glad I found this forum and have been reading all your messages throughout! You guys put me more at ease with my situation as I am currently in the application process with KR and our application has been fully submitted last Thursday 12th Nov and now waiting to hear back on the next stage which I think is the valuation most likely as there were no further questions asked! Which I know from many of you saying that no news is good news! (I really hope so!!) Me and my boyfriend are buying SO for the first time and had a bad first experience with Leeds in the first lockdown and now tried again with KR and all seems to be going more smoothly fingers crossed! It's all this waiting thats giving me anxiety as we are in the exact same position we were in going through the application process now in the second lockdown so I hope you can understand my nerves are exploding again! 
We were roughly told by our HA that valuations probably won't take place until the first week of Dec so I'm guessing we may be receiving our offer sometime in Dec which is such a drag but hoping its worth the wait - we are just so desperate for this mortgage offer as we've been waiting for this day which feels like years! Wishing you all good luck for those in the process of receiving their offers - i think we all at least deserve good news this year!!! 

There is lots of waiting unfortunately but it will all be worth it in the end. December really isn't that long away! Good luck with it all, stay positive. 

adzharr91

Has kent reliance ever asked for credit card statements? if so, how many months worth? Thanks

Maaxx

lejones91 said:

Maaxx said:

Hi everyone, I'm so glad I found this forum and have been reading all your messages throughout! You guys put me more at ease with my situation as I am currently in the application process with KR and our application has been fully submitted last Thursday 12th Nov and now waiting to hear back on the next stage which I think is the valuation most likely as there were no further questions asked! Which I know from many of you saying that no news is good news! (I really hope so!!) Me and my boyfriend are buying SO for the first time and had a bad first experience with Leeds in the first lockdown and now tried again with KR and all seems to be going more smoothly fingers crossed! It's all this waiting thats giving me anxiety as we are in the exact same position we were in going through the application process now in the second lockdown so I hope you can understand my nerves are exploding again! 
We were roughly told by our HA that valuations probably won't take place until the first week of Dec so I'm guessing we may be receiving our offer sometime in Dec which is such a drag but hoping its worth the wait - we are just so desperate for this mortgage offer as we've been waiting for this day which feels like years! Wishing you all good luck for those in the process of receiving their offers - i think we all at least deserve good news this year!!! 

There is lots of waiting unfortunately but it will all be worth it in the end. December really isn't that long away! Good luck with it all, stay positive. 

Thank you! Yes absolutely, i’m feeling hopeful it will be worth the wait in the end 🙏🏼 

adzharr91

Also, another question, when they ask for more docs from you, what docs are they asking for? just so i’m prepared to send them all over to help speed it all up! Thanks

happyday20

adzharr91 said:

Also, another question, when they ask for more docs from you, what docs are they asking for? just so i’m prepared to send them all over to help speed it all up! Thanks

It honestly varies. KR haven’t requested additional documents from us, but I know they have requested additional documents from others and it really varies. 😊

Natalie866

Anything you can think of even down to if you get child benefit credit card statement any store card mail order catalogue statements like very council tax bill pay slips bank statements p60, they are a company that like to know the ins and outs of everything even start asking what transactions are on your bank statements

adzharr91

Natalie866 said:

Anything you can think of even down to if you get child benefit credit card statement any store card mail order catalogue statements like very council tax bill pay slips bank statements p60, they are a company that like to know the ins and outs of everything even start asking what transactions are on your bank statements

Oh credit card statements? im taking it 3 months worth. I’ve uploaded the rest already so it would just he the credit card statements

adzharr91

I suppose as long as they eventually give an offer its worth it

Natalie866

It will be all worth it I hope our mortgage journey has been a nightmare with high street lenders