Santander mortgage timeline

Meh123

mowgliisaG said:

Meh123 said:

85c said:

mowgliisaG said:

85c said:

mowgliisaG said:

Katemb94 said:

mowgliisaG said:

Katemb94 said:

mowgliisaG said:

85c said:

mowgliisaG said:

85c said:

mowgliisaG said:

haras_n0sirrah said:

Meh123 said:

haras_n0sirrah said:

Santander have two queues
The 'easy' queue (employed, no adverse etc) and the senior underwriter queue (self employed, adverse) - worth finding out which queue you are in. The advertised timescale on the website is the longer queue so the shorter one shouldn't be that long 

Hey!! So strange to see you on here instead of your thread!!
The bulk of us are in the SE queue.....dying slow and painful deaths waiting!! 😂😂

I feel your pain- daily. It is just as frustrating our side of the desk believe me.

Hey Sarah, welcome, your wisdom and input on this group is always always welcome. 

Like @m@Meh123 said most of us are SE and slowly dying waiting and wishing our life away. 

Some on here have been asked for letters from accountants to verify Covid impact, what if your accountant doesn’t provide this kind of information (there is a strong opinion of some accountants to not take the responsibility to comment on the sustainability or future of a business) 

I thought it was a letter from accountant they asked for, but it was a form from Santander accountant had to feel in. He wrote 2 lines. 

Yeah the accountants certificate is the Santander form and we filled one of those in...but a letter is different??

I’m so confused lol, we submitted SA03 form, 3 months business bank statements, 3 months personal, And our certified books, and now this form from Santander for him to comment on. Do u think they ask anything else, we are 7 weeks in tomorrow. 

Oh not seen this form for the Accountant to comment on..what does it ask for/state?

We had to complete the accountant certificate at the initial stage there is a little box on the form to comment from accountant 

Is the above the box you mentioned 85c

No its section E on the Santander accountant certificate 2020.
My other half is limited company so could be different but basically in there the account wrote why his profits are higher for 19/20 and justification as to why expenses less. This is the only piece of information we have been asked for so far 
Hope that helps 

This is what ours wrote 

We are a limited company to, think this is it. Thank you. When did you apply? 

Applied 13th..UW queue on 20th

Oh not long, I’m excited for u to hear. Feel we’ve been through this together lol. 

The way the queues going you might get to it on Friday 🙌🏻

Fingers crossed..we should all know by next week for sure 

I reckon I’m looking at the first week in December, you guys should be next week though, possibly even Friday If they keep on top of it!! .... it all feels a lot closer now that it was mid October when this all started though! Applying feels like a lifetime ago now 😂

mowgliisaG

Meh123 said:

mowgliisaG said:

Meh123 said:

85c said:

mowgliisaG said:

85c said:

mowgliisaG said:

Katemb94 said:

mowgliisaG said:

Katemb94 said:

mowgliisaG said:

85c said:

mowgliisaG said:

85c said:

mowgliisaG said:

haras_n0sirrah said:

Meh123 said:

haras_n0sirrah said:

Santander have two queues
The 'easy' queue (employed, no adverse etc) and the senior underwriter queue (self employed, adverse) - worth finding out which queue you are in. The advertised timescale on the website is the longer queue so the shorter one shouldn't be that long 

Hey!! So strange to see you on here instead of your thread!!
The bulk of us are in the SE queue.....dying slow and painful deaths waiting!! 😂😂

I feel your pain- daily. It is just as frustrating our side of the desk believe me.

Hey Sarah, welcome, your wisdom and input on this group is always always welcome. 

Like @m@Meh123 said most of us are SE and slowly dying waiting and wishing our life away. 

Some on here have been asked for letters from accountants to verify Covid impact, what if your accountant doesn’t provide this kind of information (there is a strong opinion of some accountants to not take the responsibility to comment on the sustainability or future of a business) 

I thought it was a letter from accountant they asked for, but it was a form from Santander accountant had to feel in. He wrote 2 lines. 

Yeah the accountants certificate is the Santander form and we filled one of those in...but a letter is different??

I’m so confused lol, we submitted SA03 form, 3 months business bank statements, 3 months personal, And our certified books, and now this form from Santander for him to comment on. Do u think they ask anything else, we are 7 weeks in tomorrow. 

Oh not seen this form for the Accountant to comment on..what does it ask for/state?

We had to complete the accountant certificate at the initial stage there is a little box on the form to comment from accountant 

Is the above the box you mentioned 85c

No its section E on the Santander accountant certificate 2020.
My other half is limited company so could be different but basically in there the account wrote why his profits are higher for 19/20 and justification as to why expenses less. This is the only piece of information we have been asked for so far 
Hope that helps 

This is what ours wrote 

We are a limited company to, think this is it. Thank you. When did you apply? 

Applied 13th..UW queue on 20th

Oh not long, I’m excited for u to hear. Feel we’ve been through this together lol. 

The way the queues going you might get to it on Friday 🙌🏻

Fingers crossed..we should all know by next week for sure 

I reckon I’m looking at the first week in December, you guys should be next week though, possibly even Friday If they keep on top of it!! .... it all feels a lot closer now that it was mid October when this all started though! Applying feels like a lifetime ago now 😂

When did yours go to UW?

Meh123

We went over to the queue last minute on the 26th so MB has said we’ll be end of the 26th bunch! We’re a week behind you, applied on the 17th but at that time it was taking them a week to get people into the queue!! I can’t wait for all this to be over, however I’ll have to find new excuses to casually open a bottle of wine at 5pm when it is 😂😂😂

Monik2510a

Meh123 said:

We went over to the queue last minute on the 26th so MB has said we’ll be end of the 26th bunch! We’re a week behind you, applied on the 17th but at that time it was taking them a week to get people into the queue!! I can’t wait for all this to be over, however I’ll have to find new excuses to casually open a bottle of wine at 5pm when it is 😂😂😂

Once you get the offer, open the bottle even if it's 12pm (I definitely will 😂)

mowgliisaG

Meh123 said:

We went over to the queue last minute on the 26th so MB has said we’ll be end of the 26th bunch! We’re a week behind you, applied on the 17th but at that time it was taking them a week to get people into the queue!! I can’t wait for all this to be over, however I’ll have to find new excuses to casually open a bottle of wine at 5pm when it is 😂😂😂

When has one needed an excuse to open a bottle of wine!!!!
you will be next Thursday/Friday then..

BigD74

Offer received! Phew! Timeline is below, we are both employed, 75% LTV HTB and FTB. We can't see the actual offer yet, we are via a broker, but I am assuming it is for the full value otherwise it would say right...? 

15/10 application submitted
28/10 query for one of us (provide evidence that haven't been made redundant)
17/11 message that valuation is booked for 18/11
18/11 offer received

Monik2510a

BigD74 said:

Offer received! Phew! Timeline is below, we are both employed, 75% LTV HTB and FTB. We can't see the actual offer yet, we are via a broker, but I am assuming it is for the full value otherwise it would say right...? 

15/10 application submitted
28/10 query for one of us (provide evidence that haven't been made redundant)
17/11 message that valuation is booked for 18/11
18/11 offer received

I don't knkw the answer to your question, I'm guessing it would say if it wasn't for the full amount. Congratulations 🥳

mowgliisaG

BigD74 said:

Offer received! Phew! Timeline is below, we are both employed, 75% LTV HTB and FTB. We can't see the actual offer yet, we are via a broker, but I am assuming it is for the full value otherwise it would say right...? 

15/10 application submitted
28/10 query for one of us (provide evidence that haven't been made redundant)
17/11 message that valuation is booked for 18/11
18/11 offer received

Huge congratulations...would say if it was for less for sure...👍🏽👍🏽

Meh123

Monik2510a said:

Meh123 said:

We went over to the queue last minute on the 26th so MB has said we’ll be end of the 26th bunch! We’re a week behind you, applied on the 17th but at that time it was taking them a week to get people into the queue!! I can’t wait for all this to be over, however I’ll have to find new excuses to casually open a bottle of wine at 5pm when it is 😂😂😂

Once you get the offer, open the bottle even if it's 12pm (I definitely will 😂)

Seems completely reasonable to me!!! 😅

Meh123

mowgliisaG said:

Meh123 said:

We went over to the queue last minute on the 26th so MB has said we’ll be end of the 26th bunch! We’re a week behind you, applied on the 17th but at that time it was taking them a week to get people into the queue!! I can’t wait for all this to be over, however I’ll have to find new excuses to casually open a bottle of wine at 5pm when it is 😂😂😂

When has one needed an excuse to open a bottle of wine!!!!
you will be next Thursday/Friday then..

I really really hope so! I’ve mentally prepared myself not to have a definite answer till mid December, so anything beforehand would be amazing!! I just want some contact from the UW now, ideally an offer but even questions....anything just to prove I didn’t imagine putting that application in 😂