Nationwide Mortgage

MandM90

Firsttimebuyer20202021 said:

MandM90 said:

MandM90 said:

Yesterday I was told via phone valuation report due to be reviewed today, today on chat they seem to think it's not showing as received! Hmmm!

Just rang - valuation came in at purchase price, wahey! Now for review/affordability check.

Good luck our valuation came back yesterday and we got texts in the same evening to say it has been reviewed and offer 🤞🏼 Same for you! 

Yes, hoping all OK. Going through broker and borrowing 100k less than affordability but also have a rental property and I'm new in my current job so don't know how much that complicates thing from an underwriting perspective. Eeeek. Can't concentrate on work!

Firsttimebuyer20202021

MandM90 said:

Firsttimebuyer20202021 said:

MandM90 said:

MandM90 said:

Yesterday I was told via phone valuation report due to be reviewed today, today on chat they seem to think it's not showing as received! Hmmm!

Just rang - valuation came in at purchase price, wahey! Now for review/affordability check.

Good luck our valuation came back yesterday and we got texts in the same evening to say it has been reviewed and offer 🤞🏼 Same for you! 

Yes, hoping all OK. Going through broker and borrowing 100k less than affordability but also have a rental property and I'm new in my current job so don't know how much that complicates thing from an underwriting perspective. Eeeek. Can't concentrate on work!

Should be a positive that you’re lending less than affordability. And don’t worry I was new in my job too 😀 I know what you mean you’re constantly worrying and work seems such a challenge!! 

MandM90

MORTGAGE OFFER ISSUED!!! Haven't seen it, let's hope it's for the original DIP terms and not 9% interest (I keep thinking I'll relax after each hurdle, and I find more things to worry about...)

ceed95

MandM90 said:

MORTGAGE OFFER ISSUED!!! Haven't seen it, let's hope it's for the original DIP terms and not 9% interest (I keep thinking I'll relax after each hurdle, and I find more things to worry about...)

If you applied direct you can log in and your offer should be in the document store 🙂 Our offer was issued on the 13th Jan and recieved in the post today.

JRSKR

MandM90 said:

MORTGAGE OFFER ISSUED!!! Haven't seen it, let's hope it's for the original DIP terms and not 9% interest (I keep thinking I'll relax after each hurdle, and I find more things to worry about...)

Yep! Same here. I’m not gonna be relaxed til I’m in the bloody house!! 

scoey8

Does anyone know Nationwides criteria for defaults? We are looking for remortgage at 60 LTV but have a 5 year old mobile phone default for less than £100. Currently with an adverse lender as there was 3 more defaults but these have now dropped off. Thanks 

MandM90

Mortgage is for original terms, yay, just need conveyancing to spppppeeed along now.

Firsttimebuyer20202021

MandM90 said:

Mortgage is for original terms, yay, just need conveyancing to spppppeeed along now.

I just want the keys now! Chased solicitors yesterday apparently the sellers solicitors didn’t answer any enquiries that our solicitors made until they heard we had the offer. I will be a pest until we can get a completion date 😬

JRSKR

Still waiting on the offer. They said by the end of the week but I guess it could drop at any time. 

Might have to ring them later today.....  

Firsttimebuyer20202021

JRSKR said:

Still waiting on the offer. They said by the end of the week but I guess it could drop at any time. 

Might have to ring them later today.....  

They said the end of the week to me too on Tuesday but got the offer Tuesday evening. Always worth phoning them I believe it does give it a push