Kent reliance

Danielhix90

aaria7551 said:

Danielhix90 said:

Hi guys, for those that are self-employed as a sole trader, do KR always need an accountant to certify the accounts? I have been doing my own for the last 4 years.

thanks

Hi Daniel

Not sure for myself, as I didnt use my self employed income for the mortgage - just my employed one as I will be leaving my self employed one soon. Hopefully someone answers. Have you applied? Hows it going?


A 

Hi, thanks for the reply,  no not applied yet. I've been waiting a week for the broker to get an AIP but he keeps saying he can't login on their system and is waiting for them to reply..... annoying as ready to reserve a plot. 

Did you get an offer? How's it going for you?

Thanks

Lauc1

Hi,

I am due to complete in one week. The solicitors have contacted today to state before releasing the funds they are going back to the underwriters regarding the ground rent as it is a SO property, is this normal?
So stressed!! 

SovereignJaguar

Maybe Kent reliance has some problems. I have been unable to login to check my account after they emailed me advising my details had changed. Telephone useless. Any news?

isaacgiz

Hi 
Submitted my full mortgage application on  last week been asked for some further documentation yesterday anyone know what sort of time frame Kent are working at ? And How long it could be until I hear anything else 

Cheers 

MzMinnieMouse_

This feed has given me some peace of mind! We have been back and forth with KR who today asked for more evidence but also send the gift deposit forms. MA says “ we are now very close to formal approval.” I’m really hoping this is the case as our application was in March! 

cameronrayner119

Any advice would be appreciated! 
glad a lot have had there offer! I’m jealous lol. 

Kent reliance, paid valuation and application fee £399 
12/03/21 
valuation was fine and done on 
27/04/21 
 Sent more documents 8 may through a packager (COMPLETE FS??) 
not sure my MB said they use them to package adverse cases? 

Wanted accountants details, 
landlords, 
savings statements 

last few docs was sent on the 13th may, 

I paid a further £145 for application for pre offer stage?not  heard off this ? On 13th (last week 

I’m unsure where my application is at, my MB said Tuesday, Wednesday this week but still haven’t heard nothing, 
do you think offer is coming soon, more docs? 

A hard search was done 13th may aswell . 

31k deposit 
127k residential property 
4 defaults 2/3 years ago all under £600/700 and 2 CCJ’s nearly 6 years ago (£172 and £117) 

we are so fed up and done with it all. We cracked on with solicitor they are all done just need the offer to finish!

Sorry so long  

MzMinnieMouse_

cameronrayner119 said:

Any advice would be appreciated! 
glad a lot have had there offer! I’m jealous lol. 

Kent reliance, paid valuation and application fee £399 
12/03/21 
valuation was fine and done on 
27/04/21 
 Sent more documents 8 may through a packager (COMPLETE FS??) 
not sure my MB said they use them to package adverse cases? 

Wanted accountants details, 
landlords, 
savings statements 

last few docs was sent on the 13th may, 

I paid a further £145 for application for pre offer stage?not  heard off this ? On 13th (last week 

I’m unsure where my application is at, my MB said Tuesday, Wednesday this week but still haven’t heard nothing, 
do you think offer is coming soon, more docs? 

A hard search was done 13th may aswell . 

31k deposit 
127k residential property 
4 defaults 2/3 years ago all under £600/700 and 2 CCJ’s nearly 6 years ago (£172 and £117) 

we are so fed up and done with it all. We cracked on with solicitor they are all done just need the offer to finish!

Sorry so long  

Hi! 

We are around the same time frame! It’s very frustrating when they keep asking for loads more evidence but I understand they are being very detailed. We don’t have any CCJ or missed payments so maybe this is just the standard time frame! Maybe ask your MA to check if they are at the final stages like mine suggested. Hoping this month we both get our offers good luck! 

cameronrayner119

They have now come back with more questions, 
 they want my bosses accountants details to contact them to verify my income? 
updated deposit gift form, 
father in laws bank statement with funds 
and another bank statement. 

I know other cases are different, but what other questions have others been asked? 

They don’t seem to be concerned about my adverse events, is this all to come? 

Any answers appreciated 

MzMinnieMouse_

cameronrayner119 said:

They have now come back with more questions, 
 they want my bosses accountants details to contact them to verify my income? 
updated deposit gift form, 
father in laws bank statement with funds 
and another bank statement. 

I know other cases are different, but what other questions have others been asked? 

They don’t seem to be concerned about my adverse events, is this all to come? 

Any answers appreciated 

Hi, 
I was asked to provide my car finance ending in December 2020. They asked what some PayPal payments were for. And just some other old direct debits We don’t even pay anymore . A letter from my job and my April pay spilt was asked for early in March. 

Today they asked for my gifted ID. MA says we should have the offer by mid next week as it’s looking promising. 

It’s been a very long process and I’m really hope the end is near as we’re so on edge and unsettled! Fingers crossed yours is soo! 

andrewblack1001

Hello all, we are just waiting our AIP and then will push for full application this week. Can I please ask some advice..
has anyone submitted a full application and been refused the sum of money asking? but Kent Reliance come back and say but we can offer you xxx much (less) according to affordability. My MA is asking for full amount and I have some funds available to offer more deposit but they are saying no go for the full amount but I'm worried I will get a point blank refusal and lose the mortgage. thank you