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Santander mortgage timeline

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Comments

  • prozac321
    prozac321 Posts: 10 Forumite
    10 Posts First Anniversary Name Dropper
    I noticed that santander have reduced some of their rates. Is it easy to change the deal or is that asking for more grief
    30/09 Text From Santander to say App Received
    12/10 Sent to Underwriters Queue
    12/11 Now being looked at by the underwriters

  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    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 

    You may still have a wait! We applied on the 18th Oct, valuation happened a couple of days later....not heard a peep since, just sat here wishing the days around for the last month haha 

  • Jwoffy
    Jwoffy Posts: 55 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    I’ve just had my offer through 😃. Earlier than expected as well!
    Started comping October 2013

    Wins - Nov 2013 - pair of Clothes Show Live tickets - Dec 2013 - family tickets for Strictly Come Dancing - March 2014 - £100 gift voucher for Smyths     -
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    Jwoffy said:
    I’ve just had my offer through 😃. Earlier than expected as well!
    Ahhh nicely played!!! Congrats!!
  • fastbs
    fastbs Posts: 177 Forumite
    100 Posts Name Dropper
    Jwoffy said:
    I’ve just had my offer through 😃. Earlier than expected as well!
    Congrats! Brilliant news 😊
  • mowgliisaG
    mowgliisaG Posts: 338 Forumite
    100 Posts Name Dropper
    Jwoffy said:
    I’ve just had my offer through 😃. Earlier than expected as well!
    Amazing news....congratulations!!! Remind us of your background story again..SE?LTV? When you applied etc 
  • Jwoffy
    Jwoffy Posts: 55 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    mowgliisaG said:
    Jwoffy said:
    I’ve just had my offer through 😃. Earlier than expected as well!
    Amazing news....congratulations!!! Remind us of your background story again..SE?LTV? When you applied etc 
    Sure, both employed, both been furloughed at some point. HTB 75% LTV
    Applied 09/10
    UW 19/10
    Additional info 11/11
    Valuation 12/11
    Offer 17/11
    Started comping October 2013

    Wins - Nov 2013 - pair of Clothes Show Live tickets - Dec 2013 - family tickets for Strictly Come Dancing - March 2014 - £100 gift voucher for Smyths     -
  • Monik2510a
    Monik2510a Posts: 102 Forumite
    100 Posts Second Anniversary Name Dropper
    Jwoffy said:
    I’ve just had my offer through 😃. Earlier than expected as well!
    Congratulations 🥳🥳
    22/09 - application submitted with Leeds BS, long story short, on the 9/11 we've been told that Leeds is reducing the amount they're willing to lend by nearly £20k (turns out our broker FORGOT to declare our child on the application)
    10/11 - found another mortgage advisor
    11/11 - AIP with Santander (single applicant, shared ownership, 85LTV)
    12/11 - all documents sent
    13/11 - application with Santander submitted and passed to underwriting. Valuation booked for 23/11
    19/11 - mortgage agreed, subject to a satisfactory valuation 
    23/11 - mortgage offer issued
    19/12 - completed 
  • Monik2510a
    Monik2510a Posts: 102 Forumite
    100 Posts Second Anniversary Name Dropper

    I'm assuming its in the queue to be seen ? Do you get another notification once it's been picked up by the underwriters?
    22/09 - application submitted with Leeds BS, long story short, on the 9/11 we've been told that Leeds is reducing the amount they're willing to lend by nearly £20k (turns out our broker FORGOT to declare our child on the application)
    10/11 - found another mortgage advisor
    11/11 - AIP with Santander (single applicant, shared ownership, 85LTV)
    12/11 - all documents sent
    13/11 - application with Santander submitted and passed to underwriting. Valuation booked for 23/11
    19/11 - mortgage agreed, subject to a satisfactory valuation 
    23/11 - mortgage offer issued
    19/12 - completed 
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    Monik2510a said:

    I'm assuming its in the queue to be seen ? Do you get another notification once it's been picked up by the underwriters?
    How cool is that, we don’t have one of those!! Yeah looks like it’s in the queue, they’re currently looking at applications passed to UW on the 13th October and current time line is 5 weeks to get to the top of the queue. Everyone’s really hoping they hurry up a bit!! 
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