Santander mortgage timeline

ftbhoping

SueF1 said:

Anyone had any updates?

We had UW question yesterday. Replied to broker straight away. Now been told will be another week until they can look at our response 😫

SueF1

ftbhoping said:

SueF1 said:

Anyone had any updates?

We had UW question yesterday. Replied to broker straight away. Now been told will be another week until they can look at our response 😫

  
What did they ask if you don't mind me asking? Obvs don't say if it's personal! Just if relevant 

ftbhoping

SueF1 said:

ftbhoping said:

SueF1 said:

Anyone had any updates?

We had UW question yesterday. Replied to broker straight away. Now been told will be another week until they can look at our response 😫

  
What did they ask if you don't mind me asking? Obvs don't say if it's personal! Just if relevant 

Silly questions about how we’re moving a distance away - how that will affect commute and profit/loss. I replied saying it won’t as most work is based abroad and fly from London so we’re actually closer!! I mean it’s just silly questions, if my bank statements had ££ on shopping etc then they wouldn’t query that but a commute once per month which is now shorter seems to be an issue for them 

SueF1

ftbhoping said:

SueF1 said:

ftbhoping said:

SueF1 said:

Anyone had any updates?

We had UW question yesterday. Replied to broker straight away. Now been told will be another week until they can look at our response 😫

  
What did they ask if you don't mind me asking? Obvs don't say if it's personal! Just if relevant 

Silly questions about how we’re moving a distance away - how that will affect commute and profit/loss. I replied saying it won’t as most work is based abroad and fly from London so we’re actually closer!! I mean it’s just silly questions, if my bank statements had ££ on shopping etc then they wouldn’t query that but a commute once per month which is now shorter seems to be an issue for them 

OMG, nit picking!
Had our valuation today which will be sent back today so waiting for the stupid questions from UW to start heading our way too at some point!

newhomechris

Still no sign of an offer my end. It’s been in the ‘queue for underwriters to make final checks’ for two weeks now with no further questions asked!! 😭

ftbhoping

SueF1 said:

ftbhoping said:

SueF1 said:

ftbhoping said:

SueF1 said:

Anyone had any updates?

We had UW question yesterday. Replied to broker straight away. Now been told will be another week until they can look at our response 😫

  
What did they ask if you don't mind me asking? Obvs don't say if it's personal! Just if relevant 

Silly questions about how we’re moving a distance away - how that will affect commute and profit/loss. I replied saying it won’t as most work is based abroad and fly from London so we’re actually closer!! I mean it’s just silly questions, if my bank statements had ££ on shopping etc then they wouldn’t query that but a commute once per month which is now shorter seems to be an issue for them 

OMG, nit picking!
Had our valuation today which will be sent back today so waiting for the stupid questions from UW to start heading our way too at some point!

I hope you don’t - maybe you’ll be lucky. Just seems crackers they’ve had 3 weeks to pick holes so why wait until after the valuation? At this rate we’ll have saved enough for another 10% deposit to be put down (actually not kidding!!) 

SueF1

newhomechris said:

Still no sign of an offer my end. It’s been in the ‘queue for underwriters to make final checks’ for two weeks now with no further questions asked!! 😭

  Presume you've had your valuation? Was it put in the queue for the UW's straight away after that?

newhomechris

SueF1 said:

newhomechris said:

Still no sign of an offer my end. It’s been in the ‘queue for underwriters to make final checks’ for two weeks now with no further questions asked!! 😭

  Presume you've had your valuation? Was it put in the queue for the UW's straight away after that?

Yes I had my valuation on 28th August an was sent back to Santander on 1st September!! 

SueF1

newhomechris said:

SueF1 said:

newhomechris said:

Still no sign of an offer my end. It’s been in the ‘queue for underwriters to make final checks’ for two weeks now with no further questions asked!! 😭

  Presume you've had your valuation? Was it put in the queue for the UW's straight away after that?

Yes I had my valuation on 28th August an was sent back to Santander on 1st September!! 

And you've had nothing since?! Even by the current timescales that's a long time to not hear anything. What does you r broker say?

cooky123

Sue when I chased my one the broker called them and it’s been with underwriters for the second time now since the 15th Sept and they are working on underwriting sent from the 4th sept so there’s a back log this was since they asked further documents. Mine obvs had a change of property form though so mine is delayed slightly different too. Hope we hear soon Iv been asked twice now for extra info so I presume they are looking at the moment or they wouldn’t ask but then valuation hasn’t been done that I’m aware of..