Santander mortgage timeline

Cookie211

peacetrustlove said:

Cookie211 said:

lsim88 said:

Hope everyone hears some good news tomorrow! It’s been a long weekend! 

Let’s hope so, u are right this weekend feels longer than the Easter weekend lol,  good luck everyone for tomorrow 🤞🤞🤞

We’ve had another hard check today. The first one was 16th March. What’s your status? I’m hoping we are literally at the end. They must be dealing with our case today. 

Hiya emailed my broker and he’s just replied,he chased them this morning and we still in the queue,don’t understand as it’s saying on there site they on the 8th 🤯🤯 fingers crossed we hear today 

Firsttime2021

Rowethren said:

We have just joined the Santander waiting game and really hoping it goes smoothly. Our current situation is:

07/04/2020 - MiP/soft credit check
08/04/2020 - Full application/ hard credit check/ told by MA that application was accepted subject to valuation.

Hopefully the valuation should be booked in today or possibly done today if they only do a desktop one.

I did have a question for those of you further through the process. What information was required for employment checks? I have tried speaking to my employer and they have been rather vague about the contact details I should provide if asked. 

We had to send all payslips in and give current employer details. Ie address and phone number. 

My husband works for a construction company that was brought out by a huge company, yet his employer still operates under their own name, so the payslips were under a different name which caused so much confusion for Santander. Luckily our broker managed to sort it all

peacetrustlove

Cookie211 said:

peacetrustlove said:

Cookie211 said:

lsim88 said:

Hope everyone hears some good news tomorrow! It’s been a long weekend! 

Let’s hope so, u are right this weekend feels longer than the Easter weekend lol,  good luck everyone for tomorrow 🤞🤞🤞

We’ve had another hard check today. The first one was 16th March. What’s your status? I’m hoping we are literally at the end. They must be dealing with our case today. 

Hiya emailed my broker and he’s just replied,he chased them this morning and we still in the queue,don’t understand as it’s saying on there site they on the 8th 🤯🤯 fingers crossed we hear today 

Check your credit searches. We both might be in the final stages now I believe. I think we’ve spanned the last 40 odd pages of this forum now. 😂😂

funky1471

peacetrustlove said:

Cookie211 said:

peacetrustlove said:

Cookie211 said:

lsim88 said:

Hope everyone hears some good news tomorrow! It’s been a long weekend! 

Let’s hope so, u are right this weekend feels longer than the Easter weekend lol,  good luck everyone for tomorrow 🤞🤞🤞

We’ve had another hard check today. The first one was 16th March. What’s your status? I’m hoping we are literally at the end. They must be dealing with our case today. 

Hiya emailed my broker and he’s just replied,he chased them this morning and we still in the queue,don’t understand as it’s saying on there site they on the 8th 🤯🤯 fingers crossed we hear today 

Check your credit searches. We both might be in the final stages now I believe. I think we’ve spanned the last 40 odd pages of this forum now. 😂😂

You just prompted me to check my score in general. It's not changed in ages but has dropped 46 points since our search went in. Is that normal for a credit score to drop after a search? Seems steep for just doing an application (application itself seems to be going through fine we should know Weds as they said it'll take underwriters 3 working day from Friday 3.30PM

peacetrustlove

funky1471 said:

peacetrustlove said:

Cookie211 said:

peacetrustlove said:

Cookie211 said:

lsim88 said:

Hope everyone hears some good news tomorrow! It’s been a long weekend! 

Let’s hope so, u are right this weekend feels longer than the Easter weekend lol,  good luck everyone for tomorrow 🤞🤞🤞

We’ve had another hard check today. The first one was 16th March. What’s your status? I’m hoping we are literally at the end. They must be dealing with our case today. 

Hiya emailed my broker and he’s just replied,he chased them this morning and we still in the queue,don’t understand as it’s saying on there site they on the 8th 🤯🤯 fingers crossed we hear today 

Check your credit searches. We both might be in the final stages now I believe. I think we’ve spanned the last 40 odd pages of this forum now. 😂😂

You just prompted me to check my score in general. It's not changed in ages but has dropped 46 points since our search went in. Is that normal for a credit score to drop after a search? Seems steep for just doing an application (application itself seems to be going through fine we should know Weds as they said it'll take underwriters 3 working day from Friday 3.30PM

This seems normal. We are a joint application. My score didn’t drop at all. I wonder why. But my wife’s score did drop by 56 at Experian. My personal finances are a lot stronger than those of my wife. Perhaps that’s why? Just a guess. But TBH, every hard check takes a chip away off the score. Hope that helps. Good luck with your mortgage. 

peacetrustlove

Service levels updated by Santander at 11.20. Underwriters are only at 1 day. I’m looking forward to hearing something today. 👏🏻👏🏻👏🏻👏🏻

Drew8989

peacetrustlove said:

Service levels updated by Santander at 11.20. Underwriters are only at 1 day. I’m looking forward to hearing something today. 👏🏻👏🏻👏🏻👏🏻

Fingers an toes crossed for you! Hope we do too! These last few weeks have been a killer 🤣🤣

funky1471

peacetrustlove said:

Service levels updated by Santander at 11.20. Underwriters are only at 1 day. I’m looking forward to hearing something today. 👏🏻👏🏻👏🏻👏🏻

Oh exciting ours said within 3 days but it went to underwriters on the 9th and that page says those from that day are being reviewed 🤞

lsim88

funky1471 said:

peacetrustlove said:

Service levels updated by Santander at 11.20. Underwriters are only at 1 day. I’m looking forward to hearing something today. 👏🏻👏🏻👏🏻👏🏻

Oh exciting ours said within 3 days but it went to underwriters on the 9th and that page says those from that day are being reviewed 🤞

They’ve been pretty quick updating their systems everyday! 

peacetrustlove

lsim88 said:

funky1471 said:

peacetrustlove said:

Service levels updated by Santander at 11.20. Underwriters are only at 1 day. I’m looking forward to hearing something today. 👏🏻👏🏻👏🏻👏🏻

Oh exciting ours said within 3 days but it went to underwriters on the 9th and that page says those from that day are being reviewed 🤞

They’ve been pretty quick updating their systems everyday! 

Seems like that’s the only thing they are updating 😂😂. Residential and BTL are now slower than a week ago. Then they were both 9 days.