Santander mortgage timeline

NatNat77

I think using a broker gets you to the underwriting queue faster as they should have all of the required info and documents from the start, but then it seems to take ages for them to look at it. From what I've seen on here anyway, but everyone seems to be having a different experience and it's hard to tell! I posted my timeline a couple of pages back and I'm glad I didn't use a broker now, although the timings are probably broadly similar whichever route I think. I probably would have used a broker if we hadn't already had a mortgage with santander though. The process was quite straightforward as long as you're aware of your financial info and are comfortable uploading documents etc. Good luck, it's stressful but hopefully worth it for all of us in the end

SenseandSensibility

Received confirmation from our MB this morning that Santander has ‘agreed our case’, so will be issuing an offer once final checks have been completed within the next five working days! Our application was submitted on Oct 15th, and valuation was done on the 23rd, so much quicker than we were expecting! 

Meh123

SenseandSensibility said:

Received confirmation from our MB this morning that Santander has ‘agreed our case’, so will be issuing an offer once final checks have been completed within the next five working days! Our application was submitted on Oct 15th, and valuation was done on the 23rd, so much quicker than we were expecting! 

Ahh fab!!! At least some of us are managing to find themselves in the ‘fast UW queue’ Haha

FTBMish

SenseandSensibility said:

Received confirmation from our MB this morning that Santander has ‘agreed our case’, so will be issuing an offer once final checks have been completed within the next five working days! Our application was submitted on Oct 15th, and valuation was done on the 23rd, so much quicker than we were expecting! 

Thats fab!! We submitted via MB on Sept 28th, were asked questions but only last week told its going to underwriters. Bet you are relieved!

SenseandSensibility

FTBMish said:

SenseandSensibility said:

Received confirmation from our MB this morning that Santander has ‘agreed our case’, so will be issuing an offer once final checks have been completed within the next five working days! Our application was submitted on Oct 15th, and valuation was done on the 23rd, so much quicker than we were expecting! 

Thats fab!! We submitted via MB on Sept 28th, were asked questions but only last week told its going to underwriters. Bet you are relieved!

Very much so, especially considering we thought it would take several weeks. Some friends submitted an application with Nationwide back in mid-August, and are still waiting to hear! We’re now just awaiting the Authority to Proceed from the HTB agents (currently at 6 working days), so we’ll hopefully receive that this week too! 

mowgliisaG

@SenseandSensibility

wss your case straightforward? Not self employed?

MrJeeves1

Re: valuations being booked. Is this something people are seeing through Santander (in the online application) or through the estate agents? Haven't heard anything about our valuation even though we've been past underwriting almost two weeks now.

FTBMish

MrJeeves1 said:

Re: valuations being booked. Is this something people are seeing through Santander (in the online application) or through the estate agents? Haven't heard anything about our valuation even though we've been past underwriting almost two weeks now.

Valuation was done within 10 working days. Waiting for underwriting now

SenseandSensibility

@mowgliisaG Yes I would say so, we are both permanently employed full-time in the NHS, never had any debts (except student loans), defaults or CCJs etc. The only slight complexity is that we are FTB using the HTB equity loan, (mortgage LTV 75%) which we are currently awaiting confirmation to proceed with. Otherwise our case has been very straight forward. 

IMsaver

Santander are reviewing applications sent to underwriters on the 28th September which is when ours was sent. Will keep you up to date if we hear something - 🤞