Santander mortgage timeline

LP_London

Meh123 said:

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? 

Hi Meh123,
Do you know how long Santander would normally take to instruct AND carry out property valuation IF we hear back by Friday this week ? Just worried that this final stage may take many more weeks!!! 

Meh123

LP_London said:

Meh123 said:

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? 

Hi Meh123,
Do you know how long Santander would normally take to instruct AND carry out property valuation IF we hear back by Friday this week ? Just worried that this final stage may take many more weeks!!! 

I’m really not sure sorry. Mine was done 19th October via desktop just after my application went in. 

Marsh11

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Meh123

Marsh11 said:

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Of course, sorry you’ve said before haven’t you! I don’t understand what your hold up is either, mind you I don’t understand what ours is either, we applied 18th Oct (yes he’s SE but working constantly since July) but we’re pretty straight forward, I’ve had no furlough and job industry in very secure, no adverse, no debt...82LTV. Sent his statements in on the 7th and heard nothing since, the thought of this dragging on over Xmas makes me want to throw up Tbf 😩

Marsh11

Meh123 said:

Marsh11 said:

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Of course, sorry you’ve said before haven’t you! I don’t understand what your hold up is either, mind you I don’t understand what ours is either, we applied 18th Oct (yes he’s SE but working constantly since July) but we’re pretty straight forward, I’ve had no furlough and job industry in very secure, no adverse, no debt...82LTV. Sent his statements in on the 7th and heard nothing since, the thought of this dragging on over Xmas makes me want to throw up Tbf 😩

It’s frustrating isn’t it 😂 and the fact I can’t speak to Santander frustrates me even more! Think I need to relax a bit more but I keep winding myself up about it 😂 
I totally understand the feeling about Christmas as that will make them even slower! Let’s hope for some positive news by the end of the week! Never thought I would hate Fridays as much as I do at the minute 😂

Meh123

Marsh11 said:

Meh123 said:

Marsh11 said:

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Of course, sorry you’ve said before haven’t you! I don’t understand what your hold up is either, mind you I don’t understand what ours is either, we applied 18th Oct (yes he’s SE but working constantly since July) but we’re pretty straight forward, I’ve had no furlough and job industry in very secure, no adverse, no debt...82LTV. Sent his statements in on the 7th and heard nothing since, the thought of this dragging on over Xmas makes me want to throw up Tbf 😩

It’s frustrating isn’t it 😂 and the fact I can’t speak to Santander frustrates me even more! Think I need to relax a bit more but I keep winding myself up about it 😂 
I totally understand the feeling about Christmas as that will make them even slower! Let’s hope for some positive news by the end of the week! Never thought I would hate Fridays as much as I do at the minute 😂

I’m the same. Fridays and weekends now irritate me, I can’t relax because I now just class it as ‘dead time’. Let’s hope we get positive news before Xmas so we can just be drunk for breakfast and live our lives again!!

LP_London

Meh123 said:

Marsh11 said:

Meh123 said:

Marsh11 said:

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Of course, sorry you’ve said before haven’t you! I don’t understand what your hold up is either, mind you I don’t understand what ours is either, we applied 18th Oct (yes he’s SE but working constantly since July) but we’re pretty straight forward, I’ve had no furlough and job industry in very secure, no adverse, no debt...82LTV. Sent his statements in on the 7th and heard nothing since, the thought of this dragging on over Xmas makes me want to throw up Tbf 😩

It’s frustrating isn’t it 😂 and the fact I can’t speak to Santander frustrates me even more! Think I need to relax a bit more but I keep winding myself up about it 😂 
I totally understand the feeling about Christmas as that will make them even slower! Let’s hope for some positive news by the end of the week! Never thought I would hate Fridays as much as I do at the minute 😂

I’m the same. Fridays and weekends now irritate me, I can’t relax because I now just class it as ‘dead time’. Let’s hope we get positive news before Xmas so we can just be drunk for breakfast and live our lives again!!

Well I just spoke to my MB, Santander told him 72 hours wait...which will take us to Friday! 

Meh123

LP_London said:

Meh123 said:

Marsh11 said:

Meh123 said:

Marsh11 said:

Meh123 said:

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? 

No it was literally just both of ours Experian credit report which we both have really good scores on as well. Apparently they said we had some undisclosed credit which we hadn’t but when our MB spoke to Santander apparently it was their mistake and no amendments or adjustments were made or anything and then heard nothing since. We are both employed as well so really did not think it would take this long and every time I speak to MB I just get there really behind and it will be next week but next week never arrives 😂. I will wait until Thursday though and see what happens.

Of course, sorry you’ve said before haven’t you! I don’t understand what your hold up is either, mind you I don’t understand what ours is either, we applied 18th Oct (yes he’s SE but working constantly since July) but we’re pretty straight forward, I’ve had no furlough and job industry in very secure, no adverse, no debt...82LTV. Sent his statements in on the 7th and heard nothing since, the thought of this dragging on over Xmas makes me want to throw up Tbf 😩

It’s frustrating isn’t it 😂 and the fact I can’t speak to Santander frustrates me even more! Think I need to relax a bit more but I keep winding myself up about it 😂 
I totally understand the feeling about Christmas as that will make them even slower! Let’s hope for some positive news by the end of the week! Never thought I would hate Fridays as much as I do at the minute 😂

I’m the same. Fridays and weekends now irritate me, I can’t relax because I now just class it as ‘dead time’. Let’s hope we get positive news before Xmas so we can just be drunk for breakfast and live our lives again!!

Well I just spoke to my MB, Santander told him 72 hours wait...which will take us to Friday! 

God speed 😂😂

85c

Some positive news, we have gone to appeal, Santander have asked how we where able to carry on working during covid and a letter from accountant saying we’ve been trading for 2 years, they seemed to think we where trading for 18 months, when we’ve been trading for 2 years. Answered 1st question, letter is being done now, MB said we will the have an offer! 

I’m still very cautious, but after 24 weeks we may finally been there! 

mowgliisaG

85c said:

Some positive news, we have gone to appeal, Santander have asked how we where able to carry on working during covid and a letter from accountant saying we’ve been trading for 2 years, they seemed to think we where trading for 18 months, when we’ve been trading for 2 years. Answered 1st question, letter is being done now, MB said we will the have an offer! 

I’m still very cautious, but after 24 weeks we may finally been there! 

Very positive indeed...how long after you submit will you hear?x