Santander mortgage timeline

85c

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

26C

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

we was declined from halifax for not having enough accounts for ltd company. 🙈

85c

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

we was declined from halifax for not having enough accounts for ltd company. 🙈

Oh no!!!! How many years do you have? We submitted 1 year sole trader 2 year ltd company. 

beebop1

85c said:

After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 

Oh no, Im really sorry to hear they did that.  It's a bit frustrating as vaccines are being discovered left right and centre, things are only going to get better.  hope appeal process goes smooth 

85c

beebop1 said:

85c said:

After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 

Oh no, Im really sorry to hear they did that.  It's a bit frustrating as vaccines are being discovered left right and centre, things are only going to get better.  hope appeal process goes smooth 

Thank you, it was a shock as our business grew through covid, we have grown in profit every year and passed affordability no problem. Excellent credit ratings, 20% deposit. Fully booked up to summer next year.  I feel like it’s just luck which underwriter you get. 

26C

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

we was declined from halifax for not having enough accounts for ltd company. 🙈

Oh no!!!! How many years do you have? We submitted 1 year sole trader 2 year ltd company. 

I have 2 1/2 years ltd company. the first year shows less profit as it was half year sole trader half company. I think it just depends who’s desk it lands on as i was told the advantage of Santander was they only use your last years accounts but seems like criteria has changed again.

85c

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

we was declined from halifax for not having enough accounts for ltd company. 🙈

Oh no!!!! How many years do you have? We submitted 1 year sole trader 2 year ltd company. 

I have 2 1/2 years ltd company. the first year shows less profit as it was half year sole trader half company. I think it just depends who’s desk it lands on as i was told the advantage of Santander was they only use your last years accounts but seems like criteria has changed again.

We were told the same. I think if it wasn’t covid we’d both probably be ok. 

Italian_stallion

hello !!!  anyone can tell me ,  after how many days Stantander sends Offer documents to the SOLICITOR, once we receive the message of  OFFER ISSUED, from Santander ?     

Katemb94

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

26C said:

85c said:

Keefe93 said:

85c said:

That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 

I'm sorry to hear this! I know how you are feeling. I wonder if the same business manager is looking at our cases as we were told the same thing before we put in the appeal! Fingers crossed we both get a bit of luck in the next few days...

Sorry I remember your wife is a hair dresser, our appeals must have gone in at the same time, apparently it’s 24-48 hours so we should know tomorrow but who knows. I’m not holding my breath! 

we have just had an appeal submitted and it took 24 hours to submit but know we are in the re-assessment queue at 6 days long.

Oh no! What a nightmare! Why did they decline you? 

They wasn’t happy with our last year accounts being so long ago so business manager said to get our 2020 accounts into companies house. 

Why is it so much harder for SE people. We are a ltd company, please keep me posted if that’s ok I have everything crossed for you. 

Its a joke really. We was about to try aldermore just before Santander but i see you had no luck there. we would be happy with any offer at this point.

Do not go to Aldermore they are even worse! Us to! We are going try Halifax.

we was declined from halifax for not having enough accounts for ltd company. 🙈

Oh no!!!! How many years do you have? We submitted 1 year sole trader 2 year ltd company. 

I have 2 1/2 years ltd company. the first year shows less profit as it was half year sole trader half company. I think it just depends who’s desk it lands on as i was told the advantage of Santander was they only use your last years accounts but seems like criteria has changed again.

We were told the same. I think if it wasn’t covid we’d both probably be ok. 

I'm sorry to hear this just catching up on the thread, I hope your appeal goes through OK . We also limited company and they only used 1 years accounts. Really best of luck 👍 

Katemb94

Italian_stallion said:

hello !!!  anyone can tell me ,  after how many days Stantander sends Offer documents to the SOLICITOR, once we receive the message of  OFFER ISSUED, from Santander ?     

We had offer on Tuesday and was sent to solicitors by Wednesday