Santander mortgage timeline

nbizzle18

Does anyone know how long to receive the Mortgage Offer after valuation is confirmed (and text msg received to say “offer on its way”)? 

   

Thoksy

nbizzle18 said:

Does anyone know how long to receive the Mortgage Offer after valuation is confirmed (and text msg received to say “offer on its way”)? 

   

It depends. Ours were instructed at the same time when we applied mortgage for 2 weeks later. But people here are waiting at least 6 weeks or more for the offer. If you are SE then this time will take longer.  I hope yours will come sooner. 

Marsh11

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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Meh123

Marsh11 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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Jesus! I’ve told our MB that if we haven’t heard by close of business tomorrow then he needs to chase Friday and get a response! The current timeline for docs sent for reassessment is 8 days, we’ve now hit that, the average time for SE offer is 39 days, we’re on 43, I’ve had enough!
I’ve had the same thoughts about going elsewhere but this has been going on for so long now that the stubborn side of me won’t quit, plus pretty sure if we don’t have an offer by end of the month they’ll just remarket the house and I wouldn’t even blame them!!

LP_London

Meh123 said:

Marsh11 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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Jesus! I’ve told our MB that if we haven’t heard by close of business tomorrow then he needs to chase Friday and get a response! The current timeline for docs sent for reassessment is 8 days, we’ve now hit that, the average time for SE offer is 39 days, we’re on 43, I’ve had enough!
I’ve had the same thoughts about going elsewhere but this has been going on for so long now that the stubborn side of me won’t quit, plus pretty sure if we don’t have an offer by end of the month they’ll just remarket the house and I wouldn’t even blame them!!

Yep, same here! Wait until tomorrow 3pm, if we hear nothing, then best to instruct MB to chase on Friday morning. They changed the date to 4th Dec since 2:15pm today. 

Marsh11

Meh123 said:

Marsh11 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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Jesus! I’ve told our MB that if we haven’t heard by close of business tomorrow then he needs to chase Friday and get a response! The current timeline for docs sent for reassessment is 8 days, we’ve now hit that, the average time for SE offer is 39 days, we’re on 43, I’ve had enough!
I’ve had the same thoughts about going elsewhere but this has been going on for so long now that the stubborn side of me won’t quit, plus pretty sure if we don’t have an offer by end of the month they’ll just remarket the house and I wouldn’t even blame them!!

I’ve been chasing MB since Monday and Santander keep moving the goal posts! We were 1st December when we went into the reassessment queue and still nothing and it’s saying they are now on 4th December so I’m just really confused where we stand. We are on day 38 now and residential time to offer it says 22 days!  We are such a straight forward case.  All I keep getting from MB is that Santander are getting slower and slower and there’s nothing they can do to get them to look at it any earlier. I’m driving myself mad with all this 😂 I’m same as you because it’s gone on this long I want to see it through but I can’t ever see an end in sight at the minute 

Meh123

LP_London said:

Meh123 said:

Marsh11 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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Jesus! I’ve told our MB that if we haven’t heard by close of business tomorrow then he needs to chase Friday and get a response! The current timeline for docs sent for reassessment is 8 days, we’ve now hit that, the average time for SE offer is 39 days, we’re on 43, I’ve had enough!
I’ve had the same thoughts about going elsewhere but this has been going on for so long now that the stubborn side of me won’t quit, plus pretty sure if we don’t have an offer by end of the month they’ll just remarket the house and I wouldn’t even blame them!!

Yep, same here! Wait until tomorrow 3pm, if we hear nothing, then best to instruct MB to chase on Friday morning. They changed the date to 4th Dec since 2:15pm today. 

What’s really doing my head in is they’re processing applications on the same day but leaving ones in the pipeline to just rot 🤷🏼‍♀️ Where’s the sense in it? Wouldn’t it make more sense to look at additional docs sent in on the same day instead so they could just be signed off and they could be done with them! I just don’t understand how they operate as a business!!

Meh123

Marsh11 said:

Meh123 said:

Marsh11 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 update from Mb and he has said it could be after Christmas now that we hear! He has said that we could apply else where as other lenders seem to be quicker but I’ve honestly lost all hope of getting this house. No idea if to gamble and go else where or just continue to wait 😞

Jesus! I’ve told our MB that if we haven’t heard by close of business tomorrow then he needs to chase Friday and get a response! The current timeline for docs sent for reassessment is 8 days, we’ve now hit that, the average time for SE offer is 39 days, we’re on 43, I’ve had enough!
I’ve had the same thoughts about going elsewhere but this has been going on for so long now that the stubborn side of me won’t quit, plus pretty sure if we don’t have an offer by end of the month they’ll just remarket the house and I wouldn’t even blame them!!

I’ve been chasing MB since Monday and Santander keep moving the goal posts! We were 1st December when we went into the reassessment queue and still nothing and it’s saying they are now on 4th December so I’m just really confused where we stand. We are on day 38 now and residential time to offer it says 22 days!  We are such a straight forward case.  All I keep getting from MB is that Santander are getting slower and slower and there’s nothing they can do to get them to look at it any earlier. I’m driving myself mad with all this 😂 I’m same as you because it’s gone on this long I want to see it through but I can’t ever see an end in sight at the minute 

I really don’t think I could or would accept that answer. being told 8 days does my head in but I can accept it, a general answer saying it might be next year would probably see me flip. They at least need to try to escalate it for you, as you said you’re a straight forward case, it’s gone over the timescales. I’d be making it clear that if they’re not prepared to chase it for you then you won’t be using them for another application or any future business and would never be able to recommend them. I’m on the verge of going full fruit loop 😂😂

yousnorkmaiden

I know it accounts for the weekend but when the queue date jumps three days like it just did I always get a bit excited. Still holding out hope for Christmas presents for all of us!

26C

Finally mortgage has been approved. 
Started 5th oct & got declined 9th Nov.

appealed the decision with new info and have won the appeal.
letter from solicitor worked for escalation, now just waiting for offer to come out.