Santander mortgage timeline

Meh123

mowgliisaG said:

Haha, so you mean keep doing what you e been doing for the last 4 weeks anyway lol haha

It’s how I just generally wing myself through life as standard!! My Brains internal sound track is the magic roundabout theme tune most days hahaha 

Monik2510a

Meh123 said:

pinklady3333 said:

Meh123 said:

I made the mistake of checking what date the underwriting queue is on and it’s on the same date as it was on Friday afternoon! Noooooooooooo!!! 

Tell me about it. I’m banning myself from this forum for 24 hours! I’ve had no hope from it today!

I’m going to see if I can have a mortgage update detox for a few days, I might just drink wine instead and just gently rock in a corner facing the wall or something hahaha

Love it 😂 I might do the same. Our mortgage broker said we shouldn't have any issues, it's a straight forward application, there are no credit issues, we have £0 balance on all credit cards, we are ok affordability wise, I'm trying to stay positive, but after our recent experience with the previous broker, I'm still worried something might go wrong...

mowgliisaG

Meh123 said:

mowgliisaG said:

Haha, so you mean keep doing what you e been doing for the last 4 weeks anyway lol haha

It’s how I just generally wing myself through life as standard!! My Brains internal sound track is the magic roundabout theme tune most days hahaha 

Haha love it x

mowgliisaG

Monik2510a said:

Meh123 said:

pinklady3333 said:

Meh123 said:

I made the mistake of checking what date the underwriting queue is on and it’s on the same date as it was on Friday afternoon! Noooooooooooo!!! 

Tell me about it. I’m banning myself from this forum for 24 hours! I’ve had no hope from it today!

I’m going to see if I can have a mortgage update detox for a few days, I might just drink wine instead and just gently rock in a corner facing the wall or something hahaha

Love it 😂 I might do the same. Our mortgage broker said we shouldn't have any issues, it's a straight forward application, there are no credit issues, we have £0 balance on all credit cards, we are ok affordability wise, I'm trying to stay positive, but after our recent experience with the previous broker, I'm still worried something might go wrong...

Human nature to always doubt it..until the mortgage offer isnt in hand...you’ll be fine 

85c

Monik2510a said:

Meh123 said:

pinklady3333 said:

Meh123 said:

I made the mistake of checking what date the underwriting queue is on and it’s on the same date as it was on Friday afternoon! Noooooooooooo!!! 

Tell me about it. I’m banning myself from this forum for 24 hours! I’ve had no hope from it today!

I’m going to see if I can have a mortgage update detox for a few days, I might just drink wine instead and just gently rock in a corner facing the wall or something hahaha

Love it 😂 I might do the same. Our mortgage broker said we shouldn't have any issues, it's a straight forward application, there are no credit issues, we have £0 balance on all credit cards, we are ok affordability wise, I'm trying to stay positive, but after our recent experience with the previous broker, I'm still worried something might go wrong...

We keep thinking the same, business is booming all it’s done is grow, no credit no debt,  excellent credit rating, no problem with affordability, but had similar experience with Aldermore to you, so it makes you doubt everything, but I’m sure you will be fine! 

85c

Meh123 said:

pinklady3333 said:

Meh123 said:

I made the mistake of checking what date the underwriting queue is on and it’s on the same date as it was on Friday afternoon! Noooooooooooo!!! 

Tell me about it. I’m banning myself from this forum for 24 hours! I’ve had no hope from it today!

I’m going to see if I can have a mortgage update detox for a few days, I might just drink wine instead and just gently rock in a corner facing the wall or something hahaha

Lol love it! I might join you! 

Katemb94

Whats the quickest self employed offer anyone has had on here. Our valuation was done this morning and developer has said they expect an offer out by the end of the week!
Its all been pretty quick so far 
09/11 DIP
10/11 full applicationn
11/11 valuation booked 
13/11 requested further information provided same day 
17/11- Valuation taken place 

Will I be at standstill now? 70% LTV 

fastbs

Katemb94 said:

Whats the quickest self employed offer anyone has had on here. Our valuation was done this morning and developer has said they expect an offer out by the end of the week!
Its all been pretty quick so far 
09/11 DIP
10/11 full applicationn
11/11 valuation booked 
13/11 requested further information provided same day 
17/11- Valuation taken place 

Will I be at standstill now? 70% LTV 

Hate to be the bearer of bad news but our MB said the same to us when our valuation was booked and it has now been 4 weeks since it was carried out!

AIP - 7/10 
FMA - 12/10
Passed to UW - 19/10
Valuation booked - 21/10
Valuation carried out - 23/10

No news since. 

However this could be completely different for you! We are 85% LTV and OH is SE ltd company, which may be why it is taking so long for us! 

I really hope this isn’t the case for you... I have seen people get offers the day after the valuation took place! Fingers crossed for you x

Katemb94

fastbs said:

Katemb94 said:

Whats the quickest self employed offer anyone has had on here. Our valuation was done this morning and developer has said they expect an offer out by the end of the week!
Its all been pretty quick so far 
09/11 DIP
10/11 full applicationn
11/11 valuation booked 
13/11 requested further information provided same day 
17/11- Valuation taken place 

Will I be at standstill now? 70% LTV 

Hate to be the bearer of bad news but our MB said the same to us when our valuation was booked and it has now been 4 weeks since it was carried out!

AIP - 7/10 
FMA - 12/10
Passed to UW - 19/10
Valuation booked - 21/10
Valuation carried out - 23/10

No news since. 

However this could be completely different for you! We are 85% LTV and OH is SE ltd company, which may be why it is taking so long for us! 

I really hope this isn’t the case for you... I have seen people get offers the day after the valuation took place! Fingers crossed for you x

Fingers crossed you hear soon im not  expecting anything for weeks oh is also Ltd director we only supplied accountant certificate and from what I read They ask for sooo much more x

fastbs

Katemb94 said:

fastbs said:

Katemb94 said:

Whats the quickest self employed offer anyone has had on here. Our valuation was done this morning and developer has said they expect an offer out by the end of the week!
Its all been pretty quick so far 
09/11 DIP
10/11 full applicationn
11/11 valuation booked 
13/11 requested further information provided same day 
17/11- Valuation taken place 

Will I be at standstill now? 70% LTV 

Hate to be the bearer of bad news but our MB said the same to us when our valuation was booked and it has now been 4 weeks since it was carried out!

AIP - 7/10 
FMA - 12/10
Passed to UW - 19/10
Valuation booked - 21/10
Valuation carried out - 23/10

No news since. 

However this could be completely different for you! We are 85% LTV and OH is SE ltd company, which may be why it is taking so long for us! 

I really hope this isn’t the case for you... I have seen people get offers the day after the valuation took place! Fingers crossed for you x

Fingers crossed you hear soon im not  expecting anything for weeks oh is also Ltd director we only supplied accountant certificate and from what I read They ask for sooo much more x

Thank you. That is all we have supplied extra so far too which was the day after application. 

I am expecting they will be asking us for more maybe this week or next! Hopefully won’t be too much longer. Hopefully your wait won’t be as long! X