Platform Mortgage

Lulubelle_1

Deano89 said:

Lulubelle_1 said:

Deano89 said:

They emailed my MA late yesterday asking for solicitors details (I changed solicitor after submitting the application) & about a regular payment going into my account, hopefully this won't hold things up too much for me 🙏 

Hey, i think i'm going to also be asked about a regular payment going into my account (when they finally get round to my application!) can i ask if the process was straightforward? ie. they just asked what it was and reason for it, and then it was approved? Or did they need to ask whoever who was making the payments for confirmation? Really hoping a query won't push us further back. Thanks 

They literally just asked what it was & that was it they was happy with my reply luckily 

Fab thanks, hope it will be as easy as that, been told our application isn't even being looked at for another 2 weeks. Gave our MA all the documents they could possibly ask for and all the details in anticipation of queries so hope its all in order 

Lulubelle_1

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

rdunn_

Lulubelle_1 said:

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

Thank you! This is our time line;

03/08/2020 - Application submitted 

07/08/2020 - Platform asked for proof of deposit, signed declaration and latest bank statements

04/09/2020 - Platform asked for our most recent pay slips

10/09/2020 - Our broker forgot to add the product fee on to our loan so Platform wanted to know if we could increase our deposit to cover this and also asked for the name of our Solicitor

28/09/2020 - Platform wanted to know if my salary reduction since June  was due to Furlough. I confirmed my hours had temp changed so that's why my salary temp changed.

05/10/2020 - Mortgage offer sent to both solicitor and broker.

06/10/2020 - Mortgage offer sent to us

I have no idea when they completed the valuation.

nakiwala123

rdunn_ said:

Lulubelle_1 said:

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

Thank you! This is our time line;

03/08/2020 - Application submitted 

07/08/2020 - Platform asked for proof of deposit, signed declaration and latest bank statements

04/09/2020 - Platform asked for our most recent pay slips

10/09/2020 - Our broker forgot to add the product fee on to our loan so Platform wanted to know if we could increase our deposit to cover this and also asked for the name of our Solicitor

28/09/2020 - Platform wanted to know if my salary reduction since June  was due to Furlough. I confirmed my hours had temp changed so that's why my salary temp changed.

05/10/2020 - Mortgage offer sent to both solicitor and broker.

06/10/2020 - Mortgage offer sent to us

I have no idea when they completed the valuation.

Our dates are the same as yours. Have you received the offer yet? Platform mentioned having sent it via 1st class. 

rdunn_

nakiwala123 said:

rdunn_ said:

Lulubelle_1 said:

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

Thank you! This is our time line;

03/08/2020 - Application submitted 

07/08/2020 - Platform asked for proof of deposit, signed declaration and latest bank statements

04/09/2020 - Platform asked for our most recent pay slips

10/09/2020 - Our broker forgot to add the product fee on to our loan so Platform wanted to know if we could increase our deposit to cover this and also asked for the name of our Solicitor

28/09/2020 - Platform wanted to know if my salary reduction since June  was due to Furlough. I confirmed my hours had temp changed so that's why my salary temp changed.

05/10/2020 - Mortgage offer sent to both solicitor and broker.

06/10/2020 - Mortgage offer sent to us

I have no idea when they completed the valuation.

Our dates are the same as yours. Have you received the offer yet? Platform mentioned having sent it via 1st class. 

I haven’t received it in the post yet but I’ve been provided it by my Broker. Have they emailed you a copy? 

nakiwala123

rdunn_ said:

nakiwala123 said:

rdunn_ said:

Lulubelle_1 said:

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

Thank you! This is our time line;

03/08/2020 - Application submitted 

07/08/2020 - Platform asked for proof of deposit, signed declaration and latest bank statements

04/09/2020 - Platform asked for our most recent pay slips

10/09/2020 - Our broker forgot to add the product fee on to our loan so Platform wanted to know if we could increase our deposit to cover this and also asked for the name of our Solicitor

28/09/2020 - Platform wanted to know if my salary reduction since June  was due to Furlough. I confirmed my hours had temp changed so that's why my salary temp changed.

05/10/2020 - Mortgage offer sent to both solicitor and broker.

06/10/2020 - Mortgage offer sent to us

I have no idea when they completed the valuation.

Our dates are the same as yours. Have you received the offer yet? Platform mentioned having sent it via 1st class. 

I haven’t received it in the post yet but I’ve been provided it by my Broker. Have they emailed you a copy? 

We are porting so everything is done on the phone. They haven't sent emails. They said today that our offer was posted yesterday afternoon. Here's to hoping we receive it tomorrow as we really would like to complete Wednesday next week. 

Haymorto

Update 

Platform have queried a reduction in my payslip which I actually had no idea about, seems to be an 'recovery advance'. Appears to be when you have been overpaid and they take it out the next month. It may be because I was off for 6 weeks with an injury and maay have been paid too much during that time.
They just wanted confirmation it isn't an on going payment, which it isn't. 

[Deleted User]

Working day 52. 

Call from Estate Agents this morning: Everything is complete and ready to go, apart from the Mortgage offer which is now holding everything up.

Have passed this onto Mortgage advisor and asked her to pass this onto Platform.! 

nakiwala123

nakiwala123 said:

rdunn_ said:

nakiwala123 said:

rdunn_ said:

Lulubelle_1 said:

rdunn_ said:

Offer has officially been received! What a relief and they kept to their word that it would be issued within 24 hours. Only thing left to do is exchange so hopefully we will be in our first home in a few weeks

Great news! What date did you first submit your application? 

Thank you! This is our time line;

03/08/2020 - Application submitted 

07/08/2020 - Platform asked for proof of deposit, signed declaration and latest bank statements

04/09/2020 - Platform asked for our most recent pay slips

10/09/2020 - Our broker forgot to add the product fee on to our loan so Platform wanted to know if we could increase our deposit to cover this and also asked for the name of our Solicitor

28/09/2020 - Platform wanted to know if my salary reduction since June  was due to Furlough. I confirmed my hours had temp changed so that's why my salary temp changed.

05/10/2020 - Mortgage offer sent to both solicitor and broker.

06/10/2020 - Mortgage offer sent to us

I have no idea when they completed the valuation.

Our dates are the same as yours. Have you received the offer yet? Platform mentioned having sent it via 1st class. 

I haven’t received it in the post yet but I’ve been provided it by my Broker. Have they emailed you a copy? 

We are porting so everything is done on the phone. They haven't sent emails. They said today that our offer was posted yesterday afternoon. Here's to hoping we receive it tomorrow as we really would like to complete Wednesday next week. 

We received the offer in the post. Our solicitor also received the fax yesterday afternoon. It is a race for time now to get it signed and returned to Platform and requesting the funds. 

nakiwala123

42 working days.