Santander mortgage timeline

ka86ftb

Oh no do you think tier 4 will affect....how? I really hope not!

85c

ka86ftb said:

Oh no do you think tier 4 will affect....how? I really hope not!

We both still continue to work it doesn’t effect us, but I bet they will want even more info! After 24 weeks I’ve finally cracked! 

ka86ftb

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

85c

ka86ftb said:

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

We originally went with Aldermore and after 11 weeks they made an offer then retracted it, then after 8.5 weeks Santander declined us, went to appeal it appears the underwriter didn’t read our case properly didn’t think we’d been SE for 2 years, (we have) all info to prove it had gone in and was supposed to have an offer any day. Feel it won’t happen now. 

ka86ftb

85c said:

ka86ftb said:

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

We originally went with Aldermore and after 11 weeks they made an offer then retracted it, then after 8.5 weeks Santander declined us, went to appeal it appears the underwriter didn’t read our case properly didn’t think we’d been SE for 2 years, (we have) all info to prove it had gone in and was supposed to have an offer any day. Feel it won’t happen now. 

I feel it will -as they got it wrong on their part.... and you’ve proved them wrong so if that was the only thing they declined you on they’d have no reason to disapprove it. Hang tight you’re almost there...

85c

ka86ftb said:

85c said:

ka86ftb said:

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

We originally went with Aldermore and after 11 weeks they made an offer then retracted it, then after 8.5 weeks Santander declined us, went to appeal it appears the underwriter didn’t read our case properly didn’t think we’d been SE for 2 years, (we have) all info to prove it had gone in and was supposed to have an offer any day. Feel it won’t happen now. 

I feel it will -as they got it wrong on their part.... and you’ve proved them wrong so if that was the only thing they declined you on they’d have no reason to disapprove it. Hang tight you’re almost there...

Thank you, yes that’s why they declined us, we pass everything else. 

Ftbohrob

85c said:

ka86ftb said:

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

We originally went with Aldermore and after 11 weeks they made an offer then retracted it, then after 8.5 weeks Santander declined us, went to appeal it appears the underwriter didn’t read our case properly didn’t think we’d been SE for 2 years, (we have) all info to prove it had gone in and was supposed to have an offer any day. Feel it won’t happen now. 

I hope you don’t mind me asking, but we have just been declined by Santander and thinking of trying aldermore, how come they retracted their offer? 

Hope you get some good news soon, and fingers crossed tier 4 won’t affect anything! 

ka86ftb

Sorry to hear this ftbohrob... were you waiting long? Are you using a broker to help you along? If you dont mind sharing why you were declined there maybe other options of specialist lenders depending on your circumstances 

85c

Ftbohrob said:

85c said:

ka86ftb said:

Yes... you’re right they might now want to see updated statements etc what a bother. Sorry if it’s been asked to you already but why has yours gone on for this long...

We originally went with Aldermore and after 11 weeks they made an offer then retracted it, then after 8.5 weeks Santander declined us, went to appeal it appears the underwriter didn’t read our case properly didn’t think we’d been SE for 2 years, (we have) all info to prove it had gone in and was supposed to have an offer any day. Feel it won’t happen now. 

I hope you don’t mind me asking, but we have just been declined by Santander and thinking of trying aldermore, how come they retracted their offer? 

Hope you get some good news soon, and fingers crossed tier 4 won’t affect anything! 

I’m so sorry, can you not appeal? Do u mind me asking why they declined? We are going through appeal. 

I only ask why they declined you because Aldermore are awful, I’d read there reviews before you put your application in. They seem to retract offers and decline people but totally make stuff up. And they still owe us £650. I’d recommend Halifax. 

Fate11

After 10 weeks we’ve finally had our mortgage offer approved, subject to review of survey 🙌🏻 Good luck everyone!