Kent reliance

pieface201288

Thanks Rach, 
can't seem to quote you as I've not been a member long and it says I can't quote links?!

Our latest information was submitted Monday. 

We are buying a new build and have all our searches back apart from the local authority search. 

That's good to know about how the offer comes through. That's different to how I got a previous offer with Natwest as they emailed me first and then our mortgage advisor got a copy. 

Suppose they all work differently

rachlikeswinter

pieface201288 said:

Thanks Rach, 
can't seem to quote you as I've not been a member long and it says I can't quote links?!

Our latest information was submitted Monday. 

We are buying a new build and have all our searches back apart from the local authority search. 

That's good to know about how the offer comes through. That's different to how I got a previous offer with Natwest as they emailed me first and then our mortgage advisor got a copy. 

Suppose they all work differently

Great, sounds like you're in a good position then. 5 working days from Monday means your broker will get the next update Tuesday earliest. If they're satisfied with all docs, they'll book a valuation next (if they haven't already). Every KR application gets manually underwritten so there could be further queries but if you're both full time employed, with no adverse credit history then you should sail through. From anecdotal evidence on this thread, if you get an AIP with KR, you pretty much get an offer (as long as nothing untoward crops up.) How long that process takes though can completely vary! Good luck

scw96

I complete tomorrow! Can’t believe it. Just paid my deposit and legal fees. It’s gone so quickly! I know my experience probably isn’t reflective of the situation for everybody...but mine has been so smooth and wonderful, given the circumstances. Thanks for everybody’s support on this thread and I wish you all the very best 🥰

Sotts

pieface201288 said:

Hi all,
This is a brilliant thread thank you all so much.
I have a couple of questions if you could help that'll be great. We had submitted our application 11th December after getting out AIP with Kent  and are still waiting to here back. We have provided them with all paperwork including P60's and also answered some additional questions they had.
Does anyone know what the average turnaround is for Kent? 

Also when the mortgage offer comes through did you get it emailed to you or does your mortgage advisor let you know? 

Any information would be great as we want to beat the stamp duty deadline 

Our full application was submitted on 11th December i think.   We had our offer through 21st January by phone call from broker.  Written offer arrived in post on 23rd.
It would have been 11th January for offer but our file was pulled for a random audit.

Hope you hear soon. 

Lauc1

Hi 

My mortgage application was submitted today and valuation fees paid. How long are people currently waiting for an offer?

Thanks 😊

scw96

Lauc1 said:

Hi 

My mortgage application was submitted today and valuation fees paid. How long are people currently waiting for an offer?

Thanks 😊

Hello! 

I submitted on 17th of December, valuation was conducted on the 12th of January and got full offer on the 23rd of January and exchanged on the 23rd and completed on the 29th of January.

I cannot even begin to explain how slick my process was and I am very fortunate really. But it’s by no means the same for everyone unfortunately 🙁

pieface201288

Got our mortgage offer on Friday. The delay with ours was our mortgage advisor told us our solictors was on their approved panel. Turns out they were but not on their shared ownership panel. I changed solictors very quickly and as all of our searches has come back all documentation was transferred to our new solicitors. Woohoo

Puddingthecat13

Hey all,
Our mortgage application went in on the 3rd December. We had some delays with the valuation being booked however this is being completed today finally, yay!

How long does it roughly take after the valuation being completed, to getting an offer?

Very stressful few months, just hoping for an offer soon! X

MsD2020

Mortgage admin rang me this afternoon, that they will offer subject to valuation yayyyy... I can breathe a.bit now. How long did you guys have ti wait from valuation to written offer please thanks 

MsD2020

Mortgage application submitted by my MB on the 4th Feb, got a phonecall 10th Feb that ive got offer subject to valuation. Valuation booked tomorrow 12th Feb.. Now waiting for the offer to be official,, how long did you guys have to wait from valuation to offer?  Thanks