Platform Mortgage

ubayd95

bluenose2 said:

ubayd95 said:

bluenose2 said:

Finding platform terribly slow at processing documents. Sent them something (well, my broker did) last Thursday and they’ve only got round to sending it to the correct person today. A week turnaround, is that normal!?

Yeah I think they are pretty slow. Usually one or two days and you hear the surveyor or the responsible person has seen it. But they seen super slow indeed.
I'm waiting for them to come back to something that was sent on Tuesday, they usually come back in a few days so let's see.

Did you manage to hear anything?

Nothing yet unfortunately, the manager at platform came back to the broker saying the fire report was sent to the surveyor.

Ccrc

ColchesterLathe said:

Ccrc said:

ColchesterLathe said:

Hello! Iv been following this thread since I applied via a broker to platform. I applied at the end of October 2020. Within a week the valuation had been booked and it went through fine. The next time I heard was a week or so later when they wanted some info regarding my deposit. Then I didn’t hear much until the 19/11 when I received an offer! It was at this stage that I realised my solicitor is useless so I changed. I had to full out another form and send it to them which they had sorted within a week. So the new solicitor got on with the job. During the search they found that a piece of land at the end of garden which had a brick shed built on it, was not in the property deed! Platform referred the information back to the underwriter who was happy there was no change to the value and they’re happy to proceed with a suitable indemnity policy. After some discussions between solicitors, this was soon done. All this leads up to completion which was today! I spoke to platform yesterday who said they’ve carried out “final checks” so it would appear they are checking us right until the last moment! I found platform to be quite helpful and everything went much easier than I had thought after reading some of your experiences! 

Did they do any further credit checks on you to complete? We have a mortgage offer just waiting for some paperwork to exchange.  I have just received a ccj for a parking charge I never received, I have paid it and they said it’ll be removed from my file as paid on the day it was issued, I’m just nervous that the lender will see it before it leaves my file.  They also said o can get a Certificate of cancellation to prove it’s been removed from the register in the meantime.  

I’m not sure what the check was, he just said “final checks” and being a bag of nerves at the time I didn’t think to ask what they were! I just looked at check my file but it’s not showing any searches for this month yet. If it helps I’ll check back in the next few days and let you know!
is it on your credit file?
i know how you feel, half way through my process I got a letter (from Lowell, notorious debt collectors) saying I defaulted on an electricity account 4 years ago! For what ever reason it wasn’t on my file and still isn’t!

It is on my file at the minute still, but have been told it’ll be removed as paid within the month, it will also be removed from the registry trust so like it never happened, just concerned how long it will take to go through all the systems. 

ColchesterLathe

Ccrc said:

ColchesterLathe said:

Ccrc said:

ColchesterLathe said:

Hello! Iv been following this thread since I applied via a broker to platform. I applied at the end of October 2020. Within a week the valuation had been booked and it went through fine. The next time I heard was a week or so later when they wanted some info regarding my deposit. Then I didn’t hear much until the 19/11 when I received an offer! It was at this stage that I realised my solicitor is useless so I changed. I had to full out another form and send it to them which they had sorted within a week. So the new solicitor got on with the job. During the search they found that a piece of land at the end of garden which had a brick shed built on it, was not in the property deed! Platform referred the information back to the underwriter who was happy there was no change to the value and they’re happy to proceed with a suitable indemnity policy. After some discussions between solicitors, this was soon done. All this leads up to completion which was today! I spoke to platform yesterday who said they’ve carried out “final checks” so it would appear they are checking us right until the last moment! I found platform to be quite helpful and everything went much easier than I had thought after reading some of your experiences! 

Did they do any further credit checks on you to complete? We have a mortgage offer just waiting for some paperwork to exchange.  I have just received a ccj for a parking charge I never received, I have paid it and they said it’ll be removed from my file as paid on the day it was issued, I’m just nervous that the lender will see it before it leaves my file.  They also said o can get a Certificate of cancellation to prove it’s been removed from the register in the meantime.  

I’m not sure what the check was, he just said “final checks” and being a bag of nerves at the time I didn’t think to ask what they were! I just looked at check my file but it’s not showing any searches for this month yet. If it helps I’ll check back in the next few days and let you know!
is it on your credit file?
i know how you feel, half way through my process I got a letter (from Lowell, notorious debt collectors) saying I defaulted on an electricity account 4 years ago! For what ever reason it wasn’t on my file and still isn’t!

It is on my file at the minute still, but have been told it’ll be removed as paid within the month, it will also be removed from the registry trust so like it never happened, just concerned how long it will take to go through all the systems. 

Maybe you could try and delay the mortgage process somehow? It might be off by next month!
hope it works out for you, I know how you’re feeling! 👍👍

Ccrc

Yea that’s what I was thinking hold off sending some of the forms, I mean it might that long anyway as the solicitors take ages with everything 

bluenose2

Offer received today from Platform but the rate and monthly payments are more than I was “quoted”. I expected my mortgage broker to pick up on this but they haven’t so I’ve queried it and await their response. Has anyone had this before!?

ubayd95

bluenose2 said:

Offer received today from Platform but the rate and monthly payments are more than I was “quoted”. I expected my mortgage broker to pick up on this but they haven’t so I’ve queried it and await their response. Has anyone had this before!?

Congratulations on the offer! That's positive news for you

bluenose2

ubayd95 said:

bluenose2 said:

Offer received today from Platform but the rate and monthly payments are more than I was “quoted”. I expected my mortgage broker to pick up on this but they haven’t so I’ve queried it and await their response. Has anyone had this before!?

Congratulations on the offer! That's positive news for you

Delighted and didn’t expect to receive it today but disappointed it’s not at the rate i expected, unsure where to go from here! 

Cfernandes3

Hi all, I hope this is the right place to raise the query. Platform offered me mortgage on 1st March. The property has 3 titles, 1 is the home, 2nd is part of the garden and 3rd part as well is other part of the garden. My conveyancer emailed me the below. Has anyone come across this below? Is this common? Or of any concern? 
..........

On review of your mortgage offer, we are required to report the following to your lender.

Please note that our client is also purchasing the additional title ((Removed by Forum Team) and (Removed by Forum Team)) which is a land lying on the South side and other is Land on the south side along with main title ((Removed by Forum Team)). Also note that we will amend the mortgage deed and COT to include all  the titles and update the property address on the mortgage deed to include the same.

Please amend your records to reflect the correct address and let us have a revised offer or confirmation that you have done so and we may proceed On the basis of the current offer.

Please amend your records to reflect the correct address and let us have a revised offer or confirmation that you have done so and we may proceed On the basis of the current offer.

Tomca94

Hey, thought I'd add a positive story to reassure new customers like me

Applied: 16th March 2021

Initial Offer: 17th March 2021

Valuation: 22nd March 2021

Formal Offer: 24th March 2021

Rob_Lu_23

Hi Frustrated porting customer with Platform here! Just wondered if anyone has any experience with current wait times from application being approved to offer documents being sent? We had a text on 18th March saying our application was approved and still don't have the documents! Every time I phone they say we'll have it by X date, and that comes and goes and I call again and they move the date and I'm just becoming very frustrated as its holding our entire chain up! Has anyone had any recent experience with this? Thanks.