Santander mortgage timeline

031192vy353

Lo3n8 said:

031192vy353

I don't think we were asked the affordability question though my mortgage advisor just sent proof of my child benefit through my bank statement. We are 90% ltv over 30 years and my little one is 2

Thanks. We've gone directly without using a broker and just applied online ourselves. Weve submitted the same documents. Have you recieved the mortgage offer? 

No my application went in on 17/03 and we were declined on 09/04 but willing to reopen it with April payslip. So it's at underwriters now to be assessed now with new document that they asked for. It's been with them from Friday and they're working in 2 days so I'm hoping for some sort of outcome tomorrow 

Lo3n8

We've had a very similar drama with HSBC so submitted to Santander last night and they've actually come back this afternoon after I first posted this and approved the documents and just requested a few additional so fingers crossed for you yours moves fast too! 

031192vy353

MORTGAGE FINALLY APPROVED! 

ubayd95

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Amazing congratulations! Is your survey done?

Wd85

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Yaaaay! Congratulations!! Mine went to the underwriters yesterday. The text I received said I should hear within 3 working days.. hoping to hear tomorrow though!

Lo3n8

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Yay congrats!! 

Cookie211

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Congratulations 🥳 amazing news 

Sierra_Juliette

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Congratulations!!!!! 

I’m hoping to hear something tomorrow. Have you had your valuation? What’s your timeline since reopening your application? 

Sierra_Juliette

Wd85 said:

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Yaaaay! Congratulations!! Mine went to the underwriters yesterday. The text I received said I should hear within 3 working days.. hoping to hear tomorrow though!

Ours went to the underwriters yesterday too 🙈 would love to hear tomorrow!! 

031192vy353

Sierra_Juliette said:

031192vy353 said:

MORTGAGE FINALLY APPROVED! 

Congratulations!!!!! 

I’m hoping to hear something tomorrow. Have you had your valuation? What’s your timeline since reopening your application? 

  15/03 dip approved

17/03 Santander received full application

18/03 Documents requested

18/03 physical valuation instructed for 23/03

22/03 application with underwriters

22/03 more documents requested

23/03 physical valuation completed

29/03 more documents sent

30/3 referred back to underwriters queue

31/03 query regarding furlough

31/03 back to underwriters queue

07/04 more documents uploaded

09/04 underwriter queue 

09/04 decision - mortgage on hold, awaiting April payslip.

21/04 April payslip submitted

23/04 Application reopened. Payslip accepted. Back in underwriting queue. 

27/04 Mortgage approved


Very very long 6 weeks for us with what should of been straight forward case but anyway. All done now thankfully