HSBC mortgage appointment

28tsw

How did you get the appointment? My broker is trying but wondering if this could be quicker.

HomeownerDreamer

I did a DIP online direct with HSBC then called to book an appointment. I waited over 40 mins to get through but they were very helpful once I did get through. They said the next appointments were in 2 weeks but luckily there had been a cancellation so I booked that which was only 2 days away.

xx_mstilda_xx

HomeownerDreamer said:

Thanks I hope so. It's so scary with the limited choice of lenders at the moment. It feels like it's all or nothing.

This ^ 😬
We're currently doing the big wait with HSBC and I've honestly no idea what we'll do if they decline 😩

Slimby

The appointment is in 2 weeks time eek! Such a long wait for a potential no-go To get the appointment I filled out an online DIP and then called to get it booked in.

Good luck everyone! House buying is difficult as it is.

HomeownerDreamer

Best of luck everyone! Let's hope it all goes smoothly.

JOHNSONMILES

How do they go through your income and expenditure if they havent asked for your bank statements?

NatalieAGC

JOHNSONMILES said:

How do they go through your income and expenditure if they havent asked for your bank statements?

They ask questions and you answer them.. simple as that! 

If application proceeds any further then credit report and documentation they may ask for will back up income and expenditure. 

HomeownerDreamer

Do they normally ask for more documents then?

euanovsky

I had a telephone appointment with HSBC two weeks ago and it did take the full two hours. I have already populated a lot of the information online but the mortgage advisor was just asking me to confirm the info. She also spent a lot of time reading me some of the T&Cs which she can't skip. I had a joint application so I presume it would be slightly quicker if you're applying as the sole applicant. I got the DIP on the day and the actual mortgage offer came about two weeks later after it has been "referred manually". 
Good luck!

HomeownerDreamer

euanovsky said:

I had a telephone appointment with HSBC two weeks ago and it did take the full two hours. I have already populated a lot of the information online but the mortgage advisor was just asking me to confirm the info. She also spent a lot of time reading me some of the T&Cs which she can't skip. I had a joint application so I presume it would be slightly quicker if you're applying as the sole applicant. I got the DIP on the day and the actual mortgage offer came about two weeks later after it has been "referred manually". 
Good luck!

Thanks for this info. Did they ask you for any more documents? When was the valuation done?