Santander mortgage timeline

85c

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

Has anyone had their case escalated via a solicitors letter? How quick was it after it was submitted 

We sent a letter on 7th December as well, saying everything is ready, all checks have come back, seller is ready to sell and request that Santander expedite the case.....and yet, nothing! 

was the letter from your solicitor? 

Yes it was. Mortgage broker uploaded it into the portal on 7th Dec. I’ve informed broker to call Santander tomorrow all day long if he has to to get some clarity! 

ok thanks thats not great. We was told today from BDM it would be 48 hours. We won’t hold our breathe 

Can I ask when you sent yours ?

We only sent ours in yesterday the 14th. Maybe we should get them to phone 

How is the appeal going? We submitted more stuff last Thursday that thought I’d only been SE for 1.5 years but I’ve been SE for 2 so accountant had to send a letter. 

26C

85c said:

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

Has anyone had their case escalated via a solicitors letter? How quick was it after it was submitted 

We sent a letter on 7th December as well, saying everything is ready, all checks have come back, seller is ready to sell and request that Santander expedite the case.....and yet, nothing! 

was the letter from your solicitor? 

Yes it was. Mortgage broker uploaded it into the portal on 7th Dec. I’ve informed broker to call Santander tomorrow all day long if he has to to get some clarity! 

ok thanks thats not great. We was told today from BDM it would be 48 hours. We won’t hold our breathe 

Can I ask when you sent yours ?

We only sent ours in yesterday the 14th. Maybe we should get them to phone 

How is the appeal going? We submitted more stuff last Thursday that thought I’d only been SE for 1.5 years but I’ve been SE for 2 so accountant had to send a letter. 

Its gone to an underwriter but they asked for a letter explaining some income changes in the last year. Hoping that its a success. Think appeals can succeed if your giving them new positive info.

85c

26C said:

85c said:

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

LP_London said:

26C said:

Has anyone had their case escalated via a solicitors letter? How quick was it after it was submitted 

We sent a letter on 7th December as well, saying everything is ready, all checks have come back, seller is ready to sell and request that Santander expedite the case.....and yet, nothing! 

was the letter from your solicitor? 

Yes it was. Mortgage broker uploaded it into the portal on 7th Dec. I’ve informed broker to call Santander tomorrow all day long if he has to to get some clarity! 

ok thanks thats not great. We was told today from BDM it would be 48 hours. We won’t hold our breathe 

Can I ask when you sent yours ?

We only sent ours in yesterday the 14th. Maybe we should get them to phone 

How is the appeal going? We submitted more stuff last Thursday that thought I’d only been SE for 1.5 years but I’ve been SE for 2 so accountant had to send a letter. 

Its gone to an underwriter but they asked for a letter explaining some income changes in the last year. Hoping that its a success. Think appeals can succeed if your giving them new positive info.

Oh that’s really good to hear! 🤞🏻 Let me know how u get on! 

yousnorkmaiden

Our MB STILL thinks we're in the initial assesment queue and our 'entry date' into that changed from the 17th November to 8th December when they asked us some questions. I'm afraid she may have just copped the brunt of my hangover via email - can't help but feel someone here has messed up (maybe me for starting this process). 

I'm pretty close to pulling this now given, bar some five year old late payments on a shopping account, we're a really straightforward case. 

Meh123

yousnorkmaiden said:

Our MB STILL thinks we're in the initial assesment queue and our 'entry date' into that changed from the 17th November to 8th December when they asked us some questions. I'm afraid she may have just copped the brunt of my hangover via email - can't help but feel someone here has messed up (maybe me for starting this process). 

I'm pretty close to pulling this now given, bar some five year old late payments on a shopping account, we're a really straightforward case. 

It really depends on what was asked. We had a change of solicitor and that is classed as a ‘material change’ so we went back to the start of the queue. 

However, if it’s been the UW and they’ve asked for additional info then it’s the reassessment queue. 

Honestly dealing with Santander has left me so confused that I can literally smell colours some days 😂😂

yousnorkmaiden

Meh123 said:

yousnorkmaiden said:

Our MB STILL thinks we're in the initial assesment queue and our 'entry date' into that changed from the 17th November to 8th December when they asked us some questions. I'm afraid she may have just copped the brunt of my hangover via email - can't help but feel someone here has messed up (maybe me for starting this process). 

I'm pretty close to pulling this now given, bar some five year old late payments on a shopping account, we're a really straightforward case. 

It really depends on what was asked. We had a change of solicitor and that is classed as a ‘material change’ so we went back to the start of the queue. 

However, if it’s been the UW and they’ve asked for additional info then it’s the reassessment queue. 

Honestly dealing with Santander has left me so confused that I can literally smell colours some days 😂😂

Smelling colours - excellent! Funnily enough my boss, who is not from the UK and is buying his first home here, is in the same process with Santander and yesterday said it was more confusing and non-sensical than the UK government's Covid rules. He got a chuckle for that. 
My slightly stroppy email has worked: we're in the reassement queue. It's my husband's 30th next Wednesday - I'm so hoping he gets a mortgage shaped birthday gift. 

LP_London

So I asked my solicitor to get involved. He called Santander and they have said that they would fast track the application if we get a letter from the seller’s solicitor to confirm that if we do not get approval on x date, then the seller would have to consider pulling out. 

Thoughts ? 

Marsh11

Meh123 said:

Marsh11 said:

Hi  all been following this thread for a few  weeks now and I’m starting to get a bit impatient now 😂. We applied via mortgage broker on 26 October. Went into the underwriters queue on 2nd November with valuation done. Both me and my partner are employed no debts not affected by the lockdown periods and applying for 85%ltv. Apperntly the application was reviewed on the 1st December where Santander wanted our Experian credit reports as they said that we had undisclosed credit and could not borrow The full amount. Anyway to cut a long story short Santander had made a mistake and then it went back into the under writers queue on the same day 1st December. According to the Santander website they are now working from the 2nd  December however we chased it up with the Mb on Friday  who said them dates are incorrect and they still have not looked at our case since. I’m now getting to the point of giving up in fairness it’s causing me so much stress and starting to worry the seller will get fed up of waiting. We are going into our 8th week today  and starting to really hate Fridays 😂 

I feel you! Ours went in on the 18th Oct and I’ve absolutely had enough now! Doesn’t help that our sellers are the same position as us SE and E, went direct and had an offer in 8 days, meanwhile we’re 41 working days in and nothing 🤷🏼‍♀️

Honestly it’s driving me to Insanity! I just don’t understand if it went in the reassessment  queue on the 1st December why we haven’t heard anything yet. Spoke to mortgage broker again yesterday and he said that apparently they will look at the application on Thursday? I won’t hold my breath though! And if they want any more documents I think I’ll scream 😂 I’m wishing my life away every week wanting to hear something . We are a simple case as well. Just makes you think are you better going direct with a lender than going through a MB. 

Meh123

Marsh11 said:

Meh123 said:

Marsh11 said:

Hi  all been following this thread for a few  weeks now and I’m starting to get a bit impatient now 😂. We applied via mortgage broker on 26 October. Went into the underwriters queue on 2nd November with valuation done. Both me and my partner are employed no debts not affected by the lockdown periods and applying for 85%ltv. Apperntly the application was reviewed on the 1st December where Santander wanted our Experian credit reports as they said that we had undisclosed credit and could not borrow The full amount. Anyway to cut a long story short Santander had made a mistake and then it went back into the under writers queue on the same day 1st December. According to the Santander website they are now working from the 2nd  December however we chased it up with the Mb on Friday  who said them dates are incorrect and they still have not looked at our case since. I’m now getting to the point of giving up in fairness it’s causing me so much stress and starting to worry the seller will get fed up of waiting. We are going into our 8th week today  and starting to really hate Fridays 😂 

I feel you! Ours went in on the 18th Oct and I’ve absolutely had enough now! Doesn’t help that our sellers are the same position as us SE and E, went direct and had an offer in 8 days, meanwhile we’re 41 working days in and nothing 🤷🏼‍♀️

Honestly it’s driving me to Insanity! I just don’t understand if it went in the reassessment  queue on the 1st December why we haven’t heard anything yet. Spoke to mortgage broker again yesterday and he said that apparently they will look at the application on Thursday? I won’t hold my breath though! And if they want any more documents I think I’ll scream 😂 I’m wishing my life away every week wanting to hear something . We are a simple case as well. Just makes you think are you better going direct with a lender than going through a MB. 

I totally understand the frustration! We went back into reassessment on the 7th and praying we hear back by end of week as it’s just all consuming at this stage. Just need a resolution! Was it quite complex stuff you had to resubmit? 

Meh123

yousnorkmaiden said:

Meh123 said:

yousnorkmaiden said:

Our MB STILL thinks we're in the initial assesment queue and our 'entry date' into that changed from the 17th November to 8th December when they asked us some questions. I'm afraid she may have just copped the brunt of my hangover via email - can't help but feel someone here has messed up (maybe me for starting this process). 

I'm pretty close to pulling this now given, bar some five year old late payments on a shopping account, we're a really straightforward case. 

It really depends on what was asked. We had a change of solicitor and that is classed as a ‘material change’ so we went back to the start of the queue. 

However, if it’s been the UW and they’ve asked for additional info then it’s the reassessment queue. 

Honestly dealing with Santander has left me so confused that I can literally smell colours some days 😂😂

Smelling colours - excellent! Funnily enough my boss, who is not from the UK and is buying his first home here, is in the same process with Santander and yesterday said it was more confusing and non-sensical than the UK government's Covid rules. He got a chuckle for that. 
My slightly stroppy email has worked: we're in the reassement queue. It's my husband's 30th next Wednesday - I'm so hoping he gets a mortgage shaped birthday gift. 

It’s the only way I can think to describe how the process has left me 😂
I really hope he gets a big fat mortgage shaped present....ideally before his birthday!