Santander mortgage timeline

Roysie123

IMsaver said:

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 - 🤞 

Ours was also sent on the 28th and got our offer text today

IMsaver

Roysie123 said:

IMsaver said:

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 - 🤞 

Ours was also sent on the 28th and got our offer text today

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

Roysie123

IMsaver said:

Roysie123 said:

IMsaver said:

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 - 🤞 

Ours was also sent on the 28th and got our offer text today

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

No SE. From the timeline MB sent over all queries were sent over and responded to before it even went to the UW

MatthewB21

We were also sent on the 28th, sat nervously waiting for any form of update!

Mononoke87

Ours went to UW 24/09. MB chasing them Friday and today, was told they are working on our case today and will give an update today. Super anxious all day waiting for that update 😅
We are both FTB, employed in secure jobs, nothing bad in credit history. Fingers crossed!

georgebal313

Hello everyone. 
Got my mortgage illustration Sept 18 (porting my current mortgage + 15k extra). I was asked to provide Santander with my Experian credit report (which i did) on Spet. 24th.
Friday the 13th of October (appropriate) i was informed that the underwriters were not happy to proceed based on affordability and LTV, but would consider lending me the outstanding amount. I agreed to that and next day i got the email from Santander saying that my application has been received. The same day was when a hard checked was conducted.
Since then, i am waiting. All they have asked so far is a question about how COVID has impacted my finances and certified copies of my passport & proof of address (provided them on the 22nd of October. Have also provided them with a letter from my solicitor re. the completion date (was to be the 23rd.).
According to my MB my case is now with the underwriters but i am totally in the dark as to what that means in terms of timescales, and both my sellers and buyers (chain) are getting restless.
Nervous wreck.... i am literally sleeping with my phone in my hand so as not to miss any update.

IMsaver

Roysie123 said:

IMsaver said:

Roysie123 said:

IMsaver said:

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 - 🤞 

Ours was also sent on the 28th and got our offer text today

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

No SE. From the timeline MB sent over all queries were sent over and responded to before it even went to the UW

Ah okay! Wow that’s a long wait then for non-SE. Will have to see now what happens. Good luck with the rest!

Roysie123

IMsaver said:

Roysie123 said:

IMsaver said:

Roysie123 said:

IMsaver said:

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 - 🤞 

Ours was also sent on the 28th and got our offer text today

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

No SE. From the timeline MB sent over all queries were sent over and responded to before it even went to the UW

Ah okay! Wow that’s a long wait then for non-SE. Will have to see now what happens. Good luck with the rest!

May have had something to to with the fact that we had to wait 3 weeks for our valuation (physical person turning up). That was only done last week

Meh123

IMsaver said:

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

Good luck!! We only joined the UW queue  today, but hubs is self employed too so expecting some questions about business recovery! Luckily he’s exactly as he was pre covid.....but still feel sick just thinking of the wait ahead of us!! I checked with MB and all that’s gone over to UW are my payslips and his SA302s, I thought they’d want his bank statements before even sending it over to them! 

homese2

Congrats!
Do you have any SE in your application though? My partner is, so wondering if we might just start getting some qs...

We are both self employed. Application sent on 21/09, forwarded to UW on 27/09 and physical valuation on 22/10. Today we received the first set of question from UW.