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Santander mortgage timeline

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Comments

  • mowgliisaG
    mowgliisaG Posts: 338 Forumite
    100 Posts Name Dropper
    Meh123 said:
    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 😂 
    Hahaha...all the stress and the. You realise you haven’t even applied...
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    mowgliisaG said:
    Meh123 said:
    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 😂 
    Hahaha...all the stress and the. You realise you haven’t even applied...
    😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!
  • mowgliisaG
    mowgliisaG Posts: 338 Forumite
    100 Posts Name Dropper
    Meh123 said:
    mowgliisaG said:
    Meh123 said:
    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 😂 
    Hahaha...all the stress and the. You realise you haven’t even applied...
    😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!
    😂...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 lol 
  • 85c
    85c Posts: 323 Forumite
    100 Posts Name Dropper
    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
    congratulations! I would say yes full offer, when we had an offer with a different lender it was £20k less and broker told us. 
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    mowgliisaG said:
    Meh123 said:
    mowgliisaG said:
    Meh123 said:
    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 😂 
    Hahaha...all the stress and the. You realise you haven’t even applied...
    😂😂😂😂😂😂😂😂😂 Well covid brain is apparently a thing isn’t it?! It’s 2020 anything could have happened!!
    😂...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 lol 
    I’m in Wales.....we’re paying it 😅
  • Monik2510a
    Monik2510a Posts: 102 Forumite
    100 Posts Second Anniversary Name Dropper

    I was totally not expecting it today!!! :D 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 - completed 
  • haras_n0sirrah
    haras_n0sirrah Posts: 1,339 Forumite
    1,000 Posts Name Dropper
    Monik2510a said:

    I was totally not expecting it today!!! :D 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)
    Have to admit caught me by suprise lol - they told me you were in the slow queue.

  • Monik2510a
    Monik2510a Posts: 102 Forumite
    100 Posts Second Anniversary Name Dropper
    haras_n0sirrah said:
    Monik2510a said:

    I was totally not expecting it today!!! :D 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)
    Have to admit caught me by suprise lol - they told me you were in the slow queue.

    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!
    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 
  • haras_n0sirrah
    haras_n0sirrah Posts: 1,339 Forumite
    1,000 Posts Name Dropper
    Monik2510a said:
    haras_n0sirrah said:
    Monik2510a said:

    I was totally not expecting it today!!! :D 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)
    Have to admit caught me by suprise lol - they told me you were in the slow queue.

    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!
    No problem at all Monika - glad we could get it sorted.
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    Monik2510a said:

    I was totally not expecting it today!!! :D 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)
    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! 
    Get that wine open! 😂😂
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