Santander mortgage timeline

z060291

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

031192vy353

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

Mjhopwo1

Hi, new to this forum. Been reading through this thread and am starting to get worried about my application. I have been reading it's taking weeks and weeks to get things through.
My timeline is (direct with Santander)

Telephone appointment 23rd

Mortgage application reviewed and sent 25th
Underwriters 26th
Approved 26th
Value confirmed 26th
Offer sent to me and my solicitor 26th (takes a week)
Nobody has been to value the house I am buying, we have 20% deposit plus about 3.5x income to borrow.
Does all this feel a bit quick, and may be a system glitch? We do have some credit cards (10k) and loans (about £800) and car finance £300 pm so would have expected some pushback and questions.

031192vy353

Mjhopwo1 said:

Hi, new to this forum. Been reading through this thread and am starting to get worried about my application. I have been reading it's taking weeks and weeks to get things through.
My timeline is (direct with Santander)

Telephone appointment 23rd

Mortgage application reviewed and sent 25th
Underwriters 26th
Approved 26th
Value confirmed 26th
Offer sent to me and my solicitor 26th (takes a week)
Nobody has been to value the house I am buying, we have 20% deposit plus about 3.5x income to borrow.
Does all this feel a bit quick, and may be a system glitch? We do have some credit cards (10k) and loans (about £800) and car finance £300 pm so would have expected some pushback and questions.

All sounds good. Did you apply in March? I'm just waiting to supply one more document over the weekend and hopefully that's everything the underwriters want. Our valuation has been done already but haven't had anything back from it yet. I hate the not knowing

Mjhopwo1

Hi, yes all over the last week or so. I did have a mortgage with them for years so maybe that helped with the identity checks etc.

peacetrustlove

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

Hahaha. Same here mate. Woke up exactly at 4.47 am. Good luck. 

z060291

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

No idea we haven’t had an update from MB but I’m guessing we’ll be at the same stage as you! Have they only asked for one statement from you so far? 

031192vy353

z060291 said:

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

031192vy353 said:

z060291 said:

031192vy353 said:

Bob456 said:

031192vy353 said:

Bob456 said:

Our timeline 

AIP & Full application submitted – 5/11/20

Valuation instructed 5/11/20

 Underwriter Queue 5/11/20

 Information/Doc Requested 9/11/20

 Back to Underwriter Queue 9/11/20

 More Information/Doc Requested 11/11/20

 Back to Underwriter Queue 13/11/20

 Valuation Received 13/11/20

 More Information/Doc Requested 10/12/20

 Back to Underwriter Queue 18/12/20

 More Information/Doc Requested 8/01/21

 Back to Underwriter Queue 12/01/21

 More Information/Doc Requested 20/01/21

 Back to Underwriter Queue 27/01/21

 Mortgage offer Issued 02/02/21

 Initial Exchange 26/2

 Completion delayed 10 days due to vendor’s packers & mover’s non-availability. Completing next week. 

You seemed to have a few requested documents. Are you self employed or employed, on furlough. Or why did they keep coming back and forward asking for more documents each time

I have a limited company, as a director I will come under self employed, my wife employed and  got shares in my company too. during  Christmas time and the time we applied most Banks tighten there lending criteria, so they wanted to see we are worth to pay back our mortgage ;-)

Yes sounds likely then. I'm sure you're relieved that everything is approved. I'm hoping to get that text message over the weekend 🙏

I didn’t go to sleep till 2 and woke up at half 5 this morning if I don’t hear back today I don’t think I’m going to make it through the weekend 😩🤦🏽‍♀️

I'm pretty sure they are working Saturdays too. Has yours gone to underwriter? 

No idea we haven’t had an update from MB but I’m guessing we’ll be at the same stage as you! Have they only asked for one statement from you so far? 

No they asked for recent months payslip from both of us and my 3 months bank statements just to prove child benefit entitlement. Hoping that's all they want. 

z060291

peacetrustlove said:

Our valuation was done yesterday. Waiting anxiously now. No text or email yet. No word from the MA. 

Any news? What date did you submit application? 🤞🏼🤞🏼🤞🏼

peacetrustlove

Just revised the timeline and reformatted it for fellow-mortgage applicants

24/02 DIP

24/02 Experian Soft Check

02/03 Full Application

05/03 Valuation Instructed

11/03 Desktop Valuation 

15/03 Documents Requested

16/03 Documents Submitted by MA

16/03 Experian Hard Check

18/03 Internal Valuation Instructed

23/03 Internal Valuation Completed

25/03 Valuation Report Received
The Waiting Game Continues