Santander mortgage timeline

Meh123

haras_n0sirrah said:

should reiterate that that wasn't santander. 

😂😂😂😂😂😂😂 it’s not natural how funny I actually found this comment 😅😖

Meh123

Monik2510a said:

My little one has just clicked  'thanks' or 'report' to a few posts on this page 🙈 so sorry! 

Don’t worry bout it. My 6 year old FaceTimed my boss earlier 😂👍🏻

Meh123

pinklady3333 said:

Is it worth asking in the ‘ask a mortgage broker thread’ for their advice? 

I’ve created an action plan in my head...whilst drinking wine 🍷 
1. What date did the new solicitors details go into the system, what’s our new ‘passed to underwriters date’
2. how long will it take to get back to the top of the queue? Is it a shorter time frame than going elsewhere?
3. Are there better deals available now elsewhere to when we first applied?
4. Open another bottle of wine and order a pizza because what’s another lb of lockdown weight at this stage of the game. 

The biggest kick in the teeth is going through my old messages and realising we were 100% originally passed to UW on the 26th October which would have been this week 😖

26C

85c said:

26C said:

85c said:

cherryx3x3 said:

NatNat77 said:

Cherry - Is your partner employed and have you provided evidence of his income? When I made my app they told me for what we needed to borrow they didn't need evidence of my additional self employed income as what we already earned between us should have been enough, and it could always be added later if needed. Saved uploading more evidence and making it more complicated than necessary. And they were right, ours was approved without it. Maybe your MB is confident you can borrow what you need with the evidence you've already provided? 

My partner has a Limited company so we have provided SA302 forms and accounts for the last 3 years. Hopefully I am just over thinking everything....it makes you go mad this waiting around 😒 

We are a limited company to, we uploaded the sa032 form plus accounts, last week we had to submit a new form from Santander for accountant to fill in. With our up to date earnings but others have submitted this with initial application. 

was this your final 2020 accounts in at companies house or just the accountant certificate confirming the estimated figures for 2020?

Hubby said it wasn’t any of that it was something about earnings over last 3 years, to be honest we didn’t really understand it, accountant just sorted it. 

Hubby thinks it was to prove we wasn’t effected by covid as that’s what we declared. (We haven’t been) 

We are having the same problems. been in UW queue from 9th and still waiting to confirm earnings. Santander don’t realise we are only a company to save tax.  

mowgliisaG

Meh123 said:

pinklady3333 said:

Is it worth asking in the ‘ask a mortgage broker thread’ for their advice? 

I’ve created an action plan in my head...whilst drinking wine 🍷 
1. What date did the new solicitors details go into the system, what’s our new ‘passed to underwriters date’
2. how long will it take to get back to the top of the queue? Is it a shorter time frame than going elsewhere?
3. Are there better deals available now elsewhere to when we first applied?
4. Open another bottle of wine and order a pizza because what’s another lb of lockdown weight at this stage of the game. 

The biggest kick in the teeth is going through my old messages and realising we were 100% originally passed to UW on the 26th October which would have been this week 😖

That is a very good plan..esp point 4..where’s all of our invite haha..

you may find that it is shorter than you think and may only add a few days onto it...praying for you x

85c

26C said:

85c said:

26C said:

85c said:

cherryx3x3 said:

NatNat77 said:

Cherry - Is your partner employed and have you provided evidence of his income? When I made my app they told me for what we needed to borrow they didn't need evidence of my additional self employed income as what we already earned between us should have been enough, and it could always be added later if needed. Saved uploading more evidence and making it more complicated than necessary. And they were right, ours was approved without it. Maybe your MB is confident you can borrow what you need with the evidence you've already provided? 

My partner has a Limited company so we have provided SA302 forms and accounts for the last 3 years. Hopefully I am just over thinking everything....it makes you go mad this waiting around 😒 

We are a limited company to, we uploaded the sa032 form plus accounts, last week we had to submit a new form from Santander for accountant to fill in. With our up to date earnings but others have submitted this with initial application. 

was this your final 2020 accounts in at companies house or just the accountant certificate confirming the estimated figures for 2020?

Hubby said it wasn’t any of that it was something about earnings over last 3 years, to be honest we didn’t really understand it, accountant just sorted it. 

Hubby thinks it was to prove we wasn’t effected by covid as that’s what we declared. (We haven’t been) 

We are having the same problems. been in UW queue from 9th and still waiting to confirm earnings. Santander don’t realise we are only a company to save tax.  

Oh no, are you both SE? What have you submitted so far? We joined the uw que on the 7th so very close to u. 

85c

85c said:

26C said:

85c said:

26C said:

85c said:

cherryx3x3 said:

NatNat77 said:

Cherry - Is your partner employed and have you provided evidence of his income? When I made my app they told me for what we needed to borrow they didn't need evidence of my additional self employed income as what we already earned between us should have been enough, and it could always be added later if needed. Saved uploading more evidence and making it more complicated than necessary. And they were right, ours was approved without it. Maybe your MB is confident you can borrow what you need with the evidence you've already provided? 

My partner has a Limited company so we have provided SA302 forms and accounts for the last 3 years. Hopefully I am just over thinking everything....it makes you go mad this waiting around 😒 

We are a limited company to, we uploaded the sa032 form plus accounts, last week we had to submit a new form from Santander for accountant to fill in. With our up to date earnings but others have submitted this with initial application. 

was this your final 2020 accounts in at companies house or just the accountant certificate confirming the estimated figures for 2020?

Hubby said it wasn’t any of that it was something about earnings over last 3 years, to be honest we didn’t really understand it, accountant just sorted it. 

Hubby thinks it was to prove we wasn’t effected by covid as that’s what we declared. (We haven’t been) 

We are having the same problems. been in UW queue from 9th and still waiting to confirm earnings. Santander don’t realise we are only a company to save tax.  

Oh no, are you both SE? What have you submitted so far? We joined the uw que on the 7th so very close to u. 

Did you join 9/10 or 9/11? 

haras_n0sirrah

Meh123 said:

haras_n0sirrah said:

should reiterate that that wasn't santander. 

😂😂😂😂😂😂😂 it’s not natural how funny I actually found this comment 😅😖

Yeah. I'm not a wizard lol

26C

85c said:

85c said:

26C said:

85c said:

26C said:

85c said:

cherryx3x3 said:

NatNat77 said:

Cherry - Is your partner employed and have you provided evidence of his income? When I made my app they told me for what we needed to borrow they didn't need evidence of my additional self employed income as what we already earned between us should have been enough, and it could always be added later if needed. Saved uploading more evidence and making it more complicated than necessary. And they were right, ours was approved without it. Maybe your MB is confident you can borrow what you need with the evidence you've already provided? 

My partner has a Limited company so we have provided SA302 forms and accounts for the last 3 years. Hopefully I am just over thinking everything....it makes you go mad this waiting around 😒 

We are a limited company to, we uploaded the sa032 form plus accounts, last week we had to submit a new form from Santander for accountant to fill in. With our up to date earnings but others have submitted this with initial application. 

was this your final 2020 accounts in at companies house or just the accountant certificate confirming the estimated figures for 2020?

Hubby said it wasn’t any of that it was something about earnings over last 3 years, to be honest we didn’t really understand it, accountant just sorted it. 

Hubby thinks it was to prove we wasn’t effected by covid as that’s what we declared. (We haven’t been) 

We are having the same problems. been in UW queue from 9th and still waiting to confirm earnings. Santander don’t realise we are only a company to save tax.  

Oh no, are you both SE? What have you submitted so far? We joined the uw que on the 7th so very close to u. 

Did you join 9/10 or 9/11? 

We applied 5/10 went into queue 9/10
Heard back on 12/11 that they sent it back to senior UW. Now they are asking for final 2020 business accounts just when our business year has finished. Next to impossible with accountants almost a year behind. Just waiting to hear if they will accept our accountants certificate. We are both SE under my company to reduce our tax. Only me that works in company. We have sent in 3 years sa302’s, 3 years business accounts, 6 months bank statements to show covid isn’t a problem and now the hold up with accountants certificate.

26C

26C said:

85c said:

85c said:

26C said:

85c said:

26C said:

85c said:

cherryx3x3 said:

NatNat77 said:

Cherry - Is your partner employed and have you provided evidence of his income? When I made my app they told me for what we needed to borrow they didn't need evidence of my additional self employed income as what we already earned between us should have been enough, and it could always be added later if needed. Saved uploading more evidence and making it more complicated than necessary. And they were right, ours was approved without it. Maybe your MB is confident you can borrow what you need with the evidence you've already provided? 

My partner has a Limited company so we have provided SA302 forms and accounts for the last 3 years. Hopefully I am just over thinking everything....it makes you go mad this waiting around 😒 

We are a limited company to, we uploaded the sa032 form plus accounts, last week we had to submit a new form from Santander for accountant to fill in. With our up to date earnings but others have submitted this with initial application. 

was this your final 2020 accounts in at companies house or just the accountant certificate confirming the estimated figures for 2020?

Hubby said it wasn’t any of that it was something about earnings over last 3 years, to be honest we didn’t really understand it, accountant just sorted it. 

Hubby thinks it was to prove we wasn’t effected by covid as that’s what we declared. (We haven’t been) 

We are having the same problems. been in UW queue from 9th and still waiting to confirm earnings. Santander don’t realise we are only a company to save tax.  

Oh no, are you both SE? What have you submitted so far? We joined the uw que on the 7th so very close to u. 

Did you join 9/10 or 9/11? 

We applied 5/10 went into queue 9/10
Heard back on 12/11 that they sent it back to senior UW. Now they are asking for final 2020 business accounts just when our business year has finished. Next to impossible with accountants almost a year behind. Just waiting to hear if they will accept our accountants certificate. We are both SE under my company to reduce our tax. Only me that works in company. We have sent in 3 years sa302’s, 3 years business accounts, 6 months bank statements to show covid isn’t a problem and now the hold up with accountants certificate.

MB has been good and accountant has said they are been ridiculous. We’ve been told we can’t escalate it as everybody is in the same boat.