Nationwide Mortgage

JKP1245

lemliss said:

Just dropping in to tell you guys don't be afraid to chase NW directly. My mortgage got accepted in July on Friday my broker ranf and said they had had a text saying DIP referred and was confused, when she called the address on the land registry was in a different format to what was there originally, so it had to be re-ran. She said when they reran the DIP i actually failed (I was in an arrangement to pay my credit card for 2 months then cleared it all and closed it when my partners inheritance came in). Because I live in the property I am buying when they credit checked the wrong address it didn't show. She advised it would take 7 working days for a review. At this point because we got the accept in July we have paid our solicitors and were looking to complete early December. I called Nationwide direct and almost cried down the phone. Advisor said they would try and help. An hour later my broker rang and said decision had been overturned and had been accepted - now she denies she sent the wrong address and believes NW were at fault which tallies with a broker from this forum who I've spoken too views, as its unusual for them to overturn a decision once made. 
Feeling hugely lucky- very aware this could have fallen  through and buggered us.

So sorry you have been through this, hopefully all sorted for you now. I'm intrigued which addresss was incorrect as we have had our home buyers fee refunded by nationwide and application submitted 30/11 - and have heard nothing. We contacted nationwide today as unable to get in touch with MA and very worried that application had been declined. NW have advised that application has been CANCELLED as the address of the property we are buying is incorrect and has been sent incorrectly by the MA. I've clarified the property that NW have been supplied and the address is that of a previous house we looked at, put an offer in and was declined! They've advised due to this the mortgage application is cancelled and needs to be resubmitted! I'm so confused, and not sure what to do with MA!

lemliss

So our first offer our address was formatted
Hunters lodge
9 Oakwood Avenue 

And the actual address is 
9 Hunters Lodge
Oakwood Ave 

There is a 9 Oakwood which is a house at the bottom of the street.
There were 11 houses built on the site of Hunters Lodge (an Old Hotel) which was on Oakwood Ave... which is why it seems to have 2 street names as it were.
The developer names all 11 houses the number and Hunters Lodge almost like a house name.
I believe when they have credit checked they checked me against 9 Oakwood Ave which is half a mile down the road x

haras_n0sirrah

lemliss said:

So our first offer our address was formatted
Hunters lodge
9 Oakwood Avenue 

And the actual address is 
9 Hunters Lodge
Oakwood Ave 

There is a 9 Oakwood which is a house at the bottom of the street.
There were 11 houses built on the site of Hunters Lodge (an Old Hotel) which was on Oakwood Ave... which is why it seems to have 2 street names as it were.
The developer names all 11 houses the number and Hunters Lodge almost like a house name.
I believe when they have credit checked they checked me against 9 Oakwood Ave which is half a mile down the road x

This is easy to do unless you know your way around it 
Their input system is
House name
House number 
Street

So if you followed it you would put it in as it has been imput wheras it should be imput 9 hunters lodge in the house name to avoid this problem 

haras_n0sirrah

JKP1245 said:

lemliss said:

Just dropping in to tell you guys don't be afraid to chase NW directly. My mortgage got accepted in July on Friday my broker ranf and said they had had a text saying DIP referred and was confused, when she called the address on the land registry was in a different format to what was there originally, so it had to be re-ran. She said when they reran the DIP i actually failed (I was in an arrangement to pay my credit card for 2 months then cleared it all and closed it when my partners inheritance came in). Because I live in the property I am buying when they credit checked the wrong address it didn't show. She advised it would take 7 working days for a review. At this point because we got the accept in July we have paid our solicitors and were looking to complete early December. I called Nationwide direct and almost cried down the phone. Advisor said they would try and help. An hour later my broker rang and said decision had been overturned and had been accepted - now she denies she sent the wrong address and believes NW were at fault which tallies with a broker from this forum who I've spoken too views, as its unusual for them to overturn a decision once made. 
Feeling hugely lucky- very aware this could have fallen  through and buggered us.

So sorry you have been through this, hopefully all sorted for you now. I'm intrigued which addresss was incorrect as we have had our home buyers fee refunded by nationwide and application submitted 30/11 - and have heard nothing. We contacted nationwide today as unable to get in touch with MA and very worried that application had been declined. NW have advised that application has been CANCELLED as the address of the property we are buying is incorrect and has been sent incorrectly by the MA. I've clarified the property that NW have been supplied and the address is that of a previous house we looked at, put an offer in and was declined! They've advised due to this the mortgage application is cancelled and needs to be resubmitted! I'm so confused, and not sure what to do with MA!

Not good at all. You will need to start again I am afraid 

AHT2020

JKP1245 said:

lemliss said:

Just dropping in to tell you guys don't be afraid to chase NW directly. My mortgage got accepted in July on Friday my broker ranf and said they had had a text saying DIP referred and was confused, when she called the address on the land registry was in a different format to what was there originally, so it had to be re-ran. She said when they reran the DIP i actually failed (I was in an arrangement to pay my credit card for 2 months then cleared it all and closed it when my partners inheritance came in). Because I live in the property I am buying when they credit checked the wrong address it didn't show. She advised it would take 7 working days for a review. At this point because we got the accept in July we have paid our solicitors and were looking to complete early December. I called Nationwide direct and almost cried down the phone. Advisor said they would try and help. An hour later my broker rang and said decision had been overturned and had been accepted - now she denies she sent the wrong address and believes NW were at fault which tallies with a broker from this forum who I've spoken too views, as its unusual for them to overturn a decision once made. 
Feeling hugely lucky- very aware this could have fallen  through and buggered us.

So sorry you have been through this, hopefully all sorted for you now. I'm intrigued which addresss was incorrect as we have had our home buyers fee refunded by nationwide and application submitted 30/11 - and have heard nothing. We contacted nationwide today as unable to get in touch with MA and very worried that application had been declined. NW have advised that application has been CANCELLED as the address of the property we are buying is incorrect and has been sent incorrectly by the MA. I've clarified the property that NW have been supplied and the address is that of a previous house we looked at, put an offer in and was declined! They've advised due to this the mortgage application is cancelled and needs to be resubmitted! I'm so confused, and not sure what to do with MA!

Oh no! Poor you  

Did you need to go with Nationwide? It sounds like they may be taking the longest at the moment? 

JKP1245

AHT2020 said:

JKP1245 said:

lemliss said:

Just dropping in to tell you guys don't be afraid to chase NW directly. My mortgage got accepted in July on Friday my broker ranf and said they had had a text saying DIP referred and was confused, when she called the address on the land registry was in a different format to what was there originally, so it had to be re-ran. She said when they reran the DIP i actually failed (I was in an arrangement to pay my credit card for 2 months then cleared it all and closed it when my partners inheritance came in). Because I live in the property I am buying when they credit checked the wrong address it didn't show. She advised it would take 7 working days for a review. At this point because we got the accept in July we have paid our solicitors and were looking to complete early December. I called Nationwide direct and almost cried down the phone. Advisor said they would try and help. An hour later my broker rang and said decision had been overturned and had been accepted - now she denies she sent the wrong address and believes NW were at fault which tallies with a broker from this forum who I've spoken too views, as its unusual for them to overturn a decision once made. 
Feeling hugely lucky- very aware this could have fallen  through and buggered us.

So sorry you have been through this, hopefully all sorted for you now. I'm intrigued which addresss was incorrect as we have had our home buyers fee refunded by nationwide and application submitted 30/11 - and have heard nothing. We contacted nationwide today as unable to get in touch with MA and very worried that application had been declined. NW have advised that application has been CANCELLED as the address of the property we are buying is incorrect and has been sent incorrectly by the MA. I've clarified the property that NW have been supplied and the address is that of a previous house we looked at, put an offer in and was declined! They've advised due to this the mortgage application is cancelled and needs to be resubmitted! I'm so confused, and not sure what to do with MA!

Oh no! Poor you  

Did you need to go with Nationwide? It sounds like they may be taking the longest at the moment? 

That's what I was thinking we were looking for 90% mortgage but not sure there are any other lenders out there offering that at the moment. Will have to see and check tomorrow once I have spoken to MA. Not a good start

NeverEnoughCats

Hi All, I just thought I'd join in, if that's okay?
I've just applied for a mortgage with my partner. Slightly unusual circumstances, in that there is no mortgage on the property at the moment, but we're hoping to buy my ex-husband out of his share. I've been here since we separated, because we agreed that I could live here until youngest started high school, and now she's there, so I'd either need to sell and buy with my partner, or buy ex's share of this one, which is what we decided to do. Ex has agreed to a price, and I'm hoping that as it's only for 37.5% of the property value, we'll be fine. 
We had an AIP from Nationwide on 23/10, and our MA submitted the application on 5/11 with a text from them to say they'd received it on the same day. We received a text on 6/11 to say that the valuation had been booked for the 9/11, but their surveyor phoned on that day to arrange to come out and do a physical survey for the day after. Unfortunately, my eldest daughter had been in close contact with a teacher who has been diagnosed with Covid, so she's self-isolating (no symptoms thankfully) and understandably the surveyors have postponed until she's out of isolation on the 19th. We sent all paperwork (three months bank statements, payslips, ID etc) to the MA last week, and when I checked Clear Score this morning, Nationwide had done a hard search on me on 14/11. I'm hoping that that's a good sign, and that providing the valuation is okay, we'll be good to go!

NHB2020

NHB2020 said:

I’ve been following this great thread for a few days, thought I’d join in. 
Nationwide 85% LTV (Porting Existing and adding partner (FTB))

02/09 - Decision in Principle, Subjective Accept
26/10 - Offer Accepted on House 
07/11 - Application Submitted
11/11 - Valuation Instructed 
12/11 - Valuation Booked for 12/11

Not sure if this is quick, or slightly different to what others have experienced. No hard checks or additional information requested yet. 

So out latest updates: 
14/11 - Valuation Report Received
15/11 - Hard Search notification (TransUnion) 
Bag of nerves at the moment! 

JKP1245

JKP1245 said:

AHT2020 said:

JKP1245 said:

lemliss said:

Just dropping in to tell you guys don't be afraid to chase NW directly. My mortgage got accepted in July on Friday my broker ranf and said they had had a text saying DIP referred and was confused, when she called the address on the land registry was in a different format to what was there originally, so it had to be re-ran. She said when they reran the DIP i actually failed (I was in an arrangement to pay my credit card for 2 months then cleared it all and closed it when my partners inheritance came in). Because I live in the property I am buying when they credit checked the wrong address it didn't show. She advised it would take 7 working days for a review. At this point because we got the accept in July we have paid our solicitors and were looking to complete early December. I called Nationwide direct and almost cried down the phone. Advisor said they would try and help. An hour later my broker rang and said decision had been overturned and had been accepted - now she denies she sent the wrong address and believes NW were at fault which tallies with a broker from this forum who I've spoken too views, as its unusual for them to overturn a decision once made. 
Feeling hugely lucky- very aware this could have fallen  through and buggered us.

So sorry you have been through this, hopefully all sorted for you now. I'm intrigued which addresss was incorrect as we have had our home buyers fee refunded by nationwide and application submitted 30/11 - and have heard nothing. We contacted nationwide today as unable to get in touch with MA and very worried that application had been declined. NW have advised that application has been CANCELLED as the address of the property we are buying is incorrect and has been sent incorrectly by the MA. I've clarified the property that NW have been supplied and the address is that of a previous house we looked at, put an offer in and was declined! They've advised due to this the mortgage application is cancelled and needs to be resubmitted! I'm so confused, and not sure what to do with MA!

Oh no! Poor you  

Did you need to go with Nationwide? It sounds like they may be taking the longest at the moment? 

That's what I was thinking we were looking for 90% mortgage but not sure there are any other lenders out there offering that at the moment. Will have to see and check tomorrow once I have spoken to MA. Not a good start

Update! Spoke to mortgage advisor and new application submitted, they've advised this should set us back 4 days max.

30/10 - application submitted
10/11 - hard credit search
13/11 - application cancelled due to wrong address by broker
16/11 - application re-submitted

GN2020

Our physical valuation is booked for 18/11.
Just wondering how long people have waited after the valuation to receive a decision as to whether the valuation was ok or not?