Santander mortgage timeline

Jwoffy

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 an offer just over 2 weeks ago. The solicitor is yet to receive it!

85c

Katemb94 said:

85c said:

26C said:

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26C said:

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26C said:

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26C said:

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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 👍 

Are you both a limited company? Yeah I don’t really understand as if 2 years ltd wasn’t enough why did they not refuse it at the beginning, how long have you been trading? 

Katemb94

85c said:

Katemb94 said:

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 👍 

Are you both a limited company? Yeah I don’t really understand as if 2 years ltd wasn’t enough why did they not refuse it at the beginning, how long have you been trading? 

So I'm Employed but my husband is ltd company trading for 3 years. We applied for a mortgage 14 months ago with Santander on our current home  and it was declined due to not trading for 3 years and we ended up going with Leeds building society but your totally right they absolutely should refuse at the beginning but I'm pretty sure that they do accept 2 years or less otherwise your MB would not have submitted hopefully they will overturn and you hear early next week 

Italian_stallion

Katemb94 said:

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 

wow !!  that was very quick.    i am still waiting our solicitor hasn't informed us yet regarding the offer.

Italian_stallion

Jwoffy said:

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 an offer just over 2 weeks ago. The solicitor is yet to receive it!

did ur  mortgage broker or you receive the offer ?  or they send it just to the solicitor?

pinklady3333

i got got my offer text on Tuesday night, electronic copy of the offer on weds via broker. And hard copy in the post today. 

Italian_stallion

pinklady3333 said:

i got got my offer text on Tuesday night, electronic copy of the offer on weds via broker. And hard copy in the post today. 

thanks!!  i got my offer text on Wednesday , so hopefully i will receive my hard copy on Monday.  My broker sent me electronic copy.  i was just worried about Solicitor's copy, when will he receive.  

Jwoffy

Italian_stallion said:

Jwoffy said:

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 an offer just over 2 weeks ago. The solicitor is yet to receive it!

did ur  mortgage broker or you receive the offer ?  or they send it just to the solicitor?

They sent the offer to us via the post. 

greenpanda

Our full application just went in last week - am I right in thinking it will be about 3 weeks to go to the underwriters? I was hoping we would hear before Christmas, but am guessing that is unlikely!

Italian_stallion

greenpanda said:

Our full application just went in last week - am I right in thinking it will be about 3 weeks to go to the underwriters? I was hoping we would hear before Christmas, but am guessing that is unlikely!

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

21 working days i guess