Santander mortgage timeline

mowgliisaG

MonaChiu said:

85c said:

85c said:

MonaChiu said:

Hi all, was reading here for a while and decided to give our time line, maybe that would help for somebody here.
06/10 submitted application
12/10 valuations instructed
16/10 joint UW queue
19/11 received an offer
Both SE with ltd, my partner was furloughed during 1st lockdown, I was working, no additional information was requested from us.

Congratulations! Are you both SE?

Are you 1 company do you work together?

No, we both have separate companies. Now will be waiting while Sols will get an offer papers and ATE from HTB.

That is rapid for both SE...not affected by Covid? No bbl or seiss? 

85c

mowgliisaG said:

Meh123 said:

Sols is just short for solicitors 👍🏻

And ATE is authority to exchange (for help to buy equity loan) 

Thank you

mowgliisaG

Gutted it didn’t move to 20th today...looks like Monday for me to hear now 🤞🏽

MonaChiu

mowgliisaG said:

That is rapid for both SE...not affected by Covid? No bbl or seiss? 

I know, we wasn't expected this at all lol We were waiting for them to ask for more info, like were we affected by covid, what would be expected income for next year etc, was reading about this info here and heard from few friends.
My partner was furloughed during 1st lockdown, I was working all the time, no bbl, no seiss, no credit cards, credit score was good.
It's just proves that every situation is different and you all have to believe you'll get an offer soon.

mowgliisaG

MonaChiu said:

mowgliisaG said:

That is rapid for both SE...not affected by Covid? No bbl or seiss? 

I know, we wasn't expected this at all lol We were waiting for them to ask for more info, like were we affected by covid, what would be expected income for next year etc, was reading about this info here and heard from few friends.
My partner was furloughed during 1st lockdown, I was working all the time, no bbl, no seiss, no credit cards, credit score was good.
It's just proves that every situation is different and you all have to believe you'll get an offer soon.

Incredible...sole traders or LTD?? What do you mean furloughed during 1st lockdown when Self employed??

MonaChiu

mowgliisaG said:

MonaChiu said:

mowgliisaG said:

That is rapid for both SE...not affected by Covid? No bbl or seiss? 

I know, we wasn't expected this at all lol We were waiting for them to ask for more info, like were we affected by covid, what would be expected income for next year etc, was reading about this info here and heard from few friends.
My partner was furloughed during 1st lockdown, I was working all the time, no bbl, no seiss, no credit cards, credit score was good.
It's just proves that every situation is different and you all have to believe you'll get an offer soon.

Incredible...sole traders or LTD?? What do you mean furloughed during 1st lockdown when Self employed??

Ltd. The company that hired my partner to do some work for them wasn't able to work for 10 weeks, so he furloughed himself as director of the company as wasn't able to provide the service. 

mowgliisaG

MonaChiu said:

mowgliisaG said:

MonaChiu said:

mowgliisaG said:

That is rapid for both SE...not affected by Covid? No bbl or seiss? 

I know, we wasn't expected this at all lol We were waiting for them to ask for more info, like were we affected by covid, what would be expected income for next year etc, was reading about this info here and heard from few friends.
My partner was furloughed during 1st lockdown, I was working all the time, no bbl, no seiss, no credit cards, credit score was good.
It's just proves that every situation is different and you all have to believe you'll get an offer soon.

Incredible...sole traders or LTD?? What do you mean furloughed during 1st lockdown when Self employed??

Ltd. The company that hired my partner to do some work for them wasn't able to work for 10 weeks, so he furloughed himself as director of the company as wasn't able to provide the service. 

So happy for you...congratulations...amazing how you got through the queue so quick...via broker? Most of us here are..

Keefe93

Hi All, 
I've been reading through this thread the last couple of days but there is a lot of information to take on! I may of missed something obvious but hopefully someone will be able to put my worries at ease.
I'm employed, no furlough, and my partner is SE and has had to close during each lockdown. We applied for our mortgage on the 28/10 via a broker and told it was passed to the UW on 1/11. We've had no update since so wondering how everyone knows the queue time? I don't want to pester our broker every 5 minutes. Also as my partner has been effected by lockdowns is it likely we will need to supply any additional info? 
Thanks all.

Meh123

Keefe93 said:

Hi All, 
I've been reading through this thread the last couple of days but there is a lot of information to take on! I may of missed something obvious but hopefully someone will be able to put my worries at ease.
I'm employed, no furlough, and my partner is SE and has had to close during each lockdown. We applied for our mortgage on the 28/10 via a broker and told it was passed to the UW on 1/11. We've had no update since so wondering how everyone knows the queue time? I don't want to pester our broker every 5 minutes. Also as my partner has been effected by lockdowns is it likely we will need to supply any additional info? 
Thanks all.

Hi, we’re all stalking the broker page, it’s lets you know what dates they’re currently working on! 

https://www.santanderforintermediaries.co.uk/submit-and-track-business/tips-to-get-a-quicker-offer/

it seems that everyone has been asked for different stuff and some people nothing at all! It’s really hard to double guess what they want atm.

Meh123

Sorry....this link should take you to the service dates page. Scroll down to the part where it says ‘we’re viewing applications passed to our underwriters on....’ and you’ll be able to monitor when they’re likely to see yours 👍🏻 Be warned though, it becomes obsessive and a somewhat unhealthy obsession 😂😂

https://www.santanderforintermediaries.co.uk/submit-and-track-business/our-service-levels/