Santander mortgage timeline

85c

cherryx3x3 said:

Finally had our application looked at!
Broker rang me and they have requested my November payslip and to clarify the business wasn't affected during this lockdown (it wasn't)
My only worry is that I was due to come back full-time beginning of November but I have been having some personal issues so have been doing a phased return and only doing 3 days a week (furloughed for the other 2) so my pay isn't what it normally is but only around £100-150 difference. My partner makes double what I do with his earnings from his Limited Company so I am probably just worrying too much.
Our broker tells me we got an AIP of over £250,000 and we are only borrowing £205,000 so fingers crossed.....

So pleased you’ve had an update. I wouldn’t be worried, your affordability sounds good. Have they said how they want you to show business wasn’t effected by covid? 

cherryx3x3

85c said:

cherryx3x3 said:

Finally had our application looked at!
Broker rang me and they have requested my November payslip and to clarify the business wasn't affected during this lockdown (it wasn't)
My only worry is that I was due to come back full-time beginning of November but I have been having some personal issues so have been doing a phased return and only doing 3 days a week (furloughed for the other 2) so my pay isn't what it normally is but only around £100-150 difference. My partner makes double what I do with his earnings from his Limited Company so I am probably just worrying too much.
Our broker tells me we got an AIP of over £250,000 and we are only borrowing £205,000 so fingers crossed.....

So pleased you’ve had an update. I wouldn’t be worried, your affordability sounds good. Have they said how they want you to show business wasn’t effected by covid? 

I am such a worrier so I am just over thinking everything!
They are just requiring it for my employer as the first lockdown shut us down completely but we have been back up and running since August and no reason for us to close again, my partners company has made twice as much as last year since Covid hit so we have no worries there.
I am going to get a letter today to confirm business is in a health position and that my 3 day week is due to personal reasons and my full time job is still there. 

fastbs

We’ve just had the text!! Mortgage offer issued!

fastbs

Eeeee

Meh123

fastbs said:

Eeeee

YARSSSSSSSSS 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻

So happy for you!!!

85c

cherryx3x3 said:

85c said:

cherryx3x3 said:

Finally had our application looked at!
Broker rang me and they have requested my November payslip and to clarify the business wasn't affected during this lockdown (it wasn't)
My only worry is that I was due to come back full-time beginning of November but I have been having some personal issues so have been doing a phased return and only doing 3 days a week (furloughed for the other 2) so my pay isn't what it normally is but only around £100-150 difference. My partner makes double what I do with his earnings from his Limited Company so I am probably just worrying too much.
Our broker tells me we got an AIP of over £250,000 and we are only borrowing £205,000 so fingers crossed.....

So pleased you’ve had an update. I wouldn’t be worried, your affordability sounds good. Have they said how they want you to show business wasn’t effected by covid? 

I am such a worrier so I am just over thinking everything!
They are just requiring it for my employer as the first lockdown shut us down completely but we have been back up and running since August and no reason for us to close again, my partners company has made twice as much as last year since Covid hit so we have no worries there.
I am going to get a letter today to confirm business is in a health position and that my 3 day week is due to personal reasons and my full time job is still there. 

You will be fine! You are in a great position E and SE

85c

fastbs said:

We’ve just had the text!! Mortgage offer issued!

Congratulations fantastic news!

fastbs

Thank you so much! I am so relieved

AnonymousT

cherryx3x3 said:

85c said:

cherryx3x3 said:

Finally had our application looked at!
Broker rang me and they have requested my November payslip and to clarify the business wasn't affected during this lockdown (it wasn't)
My only worry is that I was due to come back full-time beginning of November but I have been having some personal issues so have been doing a phased return and only doing 3 days a week (furloughed for the other 2) so my pay isn't what it normally is but only around £100-150 difference. My partner makes double what I do with his earnings from his Limited Company so I am probably just worrying too much.
Our broker tells me we got an AIP of over £250,000 and we are only borrowing £205,000 so fingers crossed.....

So pleased you’ve had an update. I wouldn’t be worried, your affordability sounds good. Have they said how they want you to show business wasn’t effected by covid? 

I am such a worrier so I am just over thinking everything!
They are just requiring it for my employer as the first lockdown shut us down completely but we have been back up and running since August and no reason for us to close again, my partners company has made twice as much as last year since Covid hit so we have no worries there.
I am going to get a letter today to confirm business is in a health position and that my 3 day week is due to personal reasons and my full time job is still there. 

Hi!
Did they ask for any details from your partner's Ltd company?   We're in the same position however it's myself that's got the company and partner that's employed.   Did they ask for anything more recent off of your partner?

85c

AnonymousT said:

cherryx3x3 said:

85c said:

cherryx3x3 said:

Finally had our application looked at!
Broker rang me and they have requested my November payslip and to clarify the business wasn't affected during this lockdown (it wasn't)
My only worry is that I was due to come back full-time beginning of November but I have been having some personal issues so have been doing a phased return and only doing 3 days a week (furloughed for the other 2) so my pay isn't what it normally is but only around £100-150 difference. My partner makes double what I do with his earnings from his Limited Company so I am probably just worrying too much.
Our broker tells me we got an AIP of over £250,000 and we are only borrowing £205,000 so fingers crossed.....

So pleased you’ve had an update. I wouldn’t be worried, your affordability sounds good. Have they said how they want you to show business wasn’t effected by covid? 

I am such a worrier so I am just over thinking everything!
They are just requiring it for my employer as the first lockdown shut us down completely but we have been back up and running since August and no reason for us to close again, my partners company has made twice as much as last year since Covid hit so we have no worries there.
I am going to get a letter today to confirm business is in a health position and that my 3 day week is due to personal reasons and my full time job is still there. 

Hi!
Did they ask for any details from your partner's Ltd company?   We're in the same position however it's myself that's got the company and partner that's employed.   Did they ask for anything more recent off of your partner?

If it helps the most recent thing they asked us was for our accountant to fill in a Santander form. We sent it back on 19th due an update today.