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Santander mortgage timeline
Comments
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Hahaha...all the stress and the. You realise you haven’t even applied...Meh123 said:
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 😂mowgliisaG said:
When has one needed an excuse to open a bottle of wine!!!!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 😂😂😂
you will be next Thursday/Friday then..0 -
😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!mowgliisaG said:
Hahaha...all the stress and the. You realise you haven’t even applied...Meh123 said:
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 😂mowgliisaG said:
When has one needed an excuse to open a bottle of wine!!!!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 😂😂😂
you will be next Thursday/Friday then..0 -
😂...Covid is the reason we are in this mess of waiting..but then Covid is also why we are saving a lot on stamp duty...can’t complain really lolMeh123 said:
😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!mowgliisaG said:
Hahaha...all the stress and the. You realise you haven’t even applied...Meh123 said:
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 😂mowgliisaG said:
When has one needed an excuse to open a bottle of wine!!!!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 😂😂😂
you will be next Thursday/Friday then..1 -
congratulations! I would say yes full offer, when we had an offer with a different lender it was £20k less and broker told us.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
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I’m in Wales.....we’re paying it 😅mowgliisaG said:
😂...Covid is the reason we are in this mess of waiting..but then Covid is also why we are saving a lot on stamp duty...can’t complain really lolMeh123 said:
😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!mowgliisaG said:
Hahaha...all the stress and the. You realise you haven’t even applied...Meh123 said:
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 😂mowgliisaG said:
When has one needed an excuse to open a bottle of wine!!!!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 😂😂😂
you will be next Thursday/Friday then..0 -
I was totally not expecting it today!!!
fingers crossed the valuation will be ok (it's a newbuild, the valuation has been done by Leeds BS before and it came back ok, hopefully this one will be fine too) 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 - completed1 -
Have to admit caught me by suprise lol - they told me you were in the slow queue.Monik2510a said:
I was totally not expecting it today!!! fingers crossed the valuation will be ok (it's a newbuild, the valuation has been done by Leeds BS before and it came back ok, hopefully this one will be fine too)
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Sarah, I know it's subject to a satisfactory valuation. But I have to say If I could go back in time, I would definitely contact you in the first place. Absolute pleasure to deal with!haras_n0sirrah said:
Have to admit caught me by suprise lol - they told me you were in the slow queue.Monik2510a said:
I was totally not expecting it today!!! fingers crossed the valuation will be ok (it's a newbuild, the valuation has been done by Leeds BS before and it came back ok, hopefully this one will be fine too)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 - completed0 -
No problem at all Monika - glad we could get it sorted.Monik2510a said:
Sarah, I know it's subject to a satisfactory valuation. But I have to say If I could go back in time, I would definitely contact you in the first place. Absolute pleasure to deal with!haras_n0sirrah said:
Have to admit caught me by suprise lol - they told me you were in the slow queue.Monik2510a said:
I was totally not expecting it today!!! fingers crossed the valuation will be ok (it's a newbuild, the valuation has been done by Leeds BS before and it came back ok, hopefully this one will be fine too)0 -
OMG congrats!!! I think mine took longer than that to even have the initial assessment!! Glad everything’s sorted for you after the nightmare with the first application!Monik2510a said:
I was totally not expecting it today!!! fingers crossed the valuation will be ok (it's a newbuild, the valuation has been done by Leeds BS before and it came back ok, hopefully this one will be fine too)Get that wine open! 😂😂1
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