Kent reliance

Nic88Nac

lejones91 said:

I've finally just received my offer! Hang on in there everyone 

Great! You were on 6th working day on Friday weren't you? 

Nic88Nac

adzharr91 said:

My pack has finally gone to KR from the MB, they said the turn around time for them to check everything is 10 days. At what point shall I instruct the solicitor to do the local authority checks? 

I would apply ASAP - they are supposedly taking up to 8 wks at the moment 

Maaxx

rachlikeswinter said:

Maaxx said:

We just had an update from our MB saying there was an issue with the EWS1 form about the wrong signature. This has been processed to KR so waiting to hear back if they approve. Apparently this has been an issue for everyone and has been causing delays! So hopefully we can get a move on to the underwriting process once they give us the ok with the form!

I'm in exactly the same position as you. My developer is now pushing to get the form with the right signature - I have no idea how long this will take! Have KR said they're going to relent and use the form as-is? I have a friend buying in the same development and her lender (Halifax) accepted the form with this exact same signature. So god knows why it's a problem for KR and not other lenders.

I know! Our developer has sent the form back with a different signature which our MB has now passed onto KR to double check and approve (hopefully) but its so annoying as this has caused major delays for us to progress! I think KR has different criteria than other lenders who easily would accept the form no matter what but KR apparently needs it signed by someone official! We thought we were on the valuation stage but looks like we still need to be passed to underwriting as soon as the form is given the go ahead. Have a feeling we may not be moving until next year Easter! 

rachlikeswinter

Maaxx said:

rachlikeswinter said:

Maaxx said:

We just had an update from our MB saying there was an issue with the EWS1 form about the wrong signature. This has been processed to KR so waiting to hear back if they approve. Apparently this has been an issue for everyone and has been causing delays! So hopefully we can get a move on to the underwriting process once they give us the ok with the form!

I'm in exactly the same position as you. My developer is now pushing to get the form with the right signature - I have no idea how long this will take! Have KR said they're going to relent and use the form as-is? I have a friend buying in the same development and her lender (Halifax) accepted the form with this exact same signature. So god knows why it's a problem for KR and not other lenders.

I know! Our developer has sent the form back with a different signature which our MB has now passed onto KR to double check and approve (hopefully) but its so annoying as this has caused major delays for us to progress! I think KR has different criteria than other lenders who easily would accept the form no matter what but KR apparently needs it signed by someone official! We thought we were on the valuation stage but looks like we still need to be passed to underwriting as soon as the form is given the go ahead. Have a feeling we may not be moving until next year Easter! 

Who is your developer if you don't mind me asking? How long did it take for them to get the correct signature?

Yeah KR won't put my case into the underwriter queue until the valuation is satisfied. Which won't happen until the valuer is ok with the EWS1 form. I'm hoping for a move in January but honestly who knows! Still terrified something untoward is going to happen at underwriter stage, considering something has gone wrong at every single stage so far!

lejones91

Nic88Nac said:

lejones91 said:

I've finally just received my offer! Hang on in there everyone 

Great! You were on 6th working day on Friday weren't you? 

Yeah so received offer on 7th working day after what felt like forever 

Maaxx

rachlikeswinter said:

Maaxx said:

rachlikeswinter said:

Maaxx said:

We just had an update from our MB saying there was an issue with the EWS1 form about the wrong signature. This has been processed to KR so waiting to hear back if they approve. Apparently this has been an issue for everyone and has been causing delays! So hopefully we can get a move on to the underwriting process once they give us the ok with the form!

I'm in exactly the same position as you. My developer is now pushing to get the form with the right signature - I have no idea how long this will take! Have KR said they're going to relent and use the form as-is? I have a friend buying in the same development and her lender (Halifax) accepted the form with this exact same signature. So god knows why it's a problem for KR and not other lenders.

I know! Our developer has sent the form back with a different signature which our MB has now passed onto KR to double check and approve (hopefully) but its so annoying as this has caused major delays for us to progress! I think KR has different criteria than other lenders who easily would accept the form no matter what but KR apparently needs it signed by someone official! We thought we were on the valuation stage but looks like we still need to be passed to underwriting as soon as the form is given the go ahead. Have a feeling we may not be moving until next year Easter! 

Who is your developer if you don't mind me asking? How long did it take for them to get the correct signature?

Yeah KR won't put my case into the underwriter queue until the valuation is satisfied. Which won't happen until the valuer is ok with the EWS1 form. I'm hoping for a move in January but honestly who knows! Still terrified something untoward is going to happen at underwriter stage, considering something has gone wrong at every single stage so far!

Hackney Sales - our MB said they sent the correct signature last Friday but not sure how long it took for them to get it sorted before passing it through to our MB. That's what I'm worried about too! We've had issues earlier this year when we first applied and all fell through because of the pandemic but hoping we get past the underwriter stage and finally progress this time! I just know for sure there's going to be more delays so I'm terrified too, this is all i think about right now, we just want our first new home so bad!! 

Nic88Nac

@Maaxx It is such a stressful process! We have been going through this since August  

Maaxx

Nic88Nac said:

@Maaxx It is such a stressful process! We have been going through this since August  

It really is! Ah man . Wishing you the best of luck! I'm sure this will all be worth it in the end. 

MSN2220

We got our offer! 🎉🎉✨Here is our timeline: 

Good luck to everyone else, it’s worth the wait 😁

15th Sept Application sent with deceleration form  to Leeds 

16th Sept Soft Credit Check 

17th Sept Gift Deposit Form sent

23rd Sept Valuation Appt

24th Sept valuation report and docs with underwriters

08th Oct Leeds declined. Applied with Kent Relliance 

08th Oct. Kent hard search 

12th Oct. application docs to solicitor 

15th Oct. solicitor said they received contract from HA 

19th Oct. Asked for 3 months bank statements again and also DD mandate 

20th Oct. Sent requested docs. Searches submitted with solicitors 

21st Oct. Valuation booked for 3rd Nov 

28th Oct. signed contract to solicitors. KR asked a few questions about entries on statements and needed updated statements 

09th Nov. Enquires satisfied by solicitors. 

11th Nov. KR asked for evidence of OpenPay account closed and Gift deposit form. 

19th Nov. KR said valuation and docs are satisfied. Issue with gift deposit coming from uncle. 

23th Nov. KR agreed to accept uncles as giftor. 

24th Nov. Sent Uncles ID 

27th Nov. Last search came back and letter of escalation was sent 

30th Nov.  Been told that valuation said 1 bedroom rather Then 3 so updated report was sent to KR on 27/11 

30th Nov 4:15pm! Offer received! 🎉

rachlikeswinter

MSN2220 said:

We got our offer! 🎉🎉✨

Amazing news so happy for you especially as we applied same day!! Really hope mine isn't too far away!