Nationwide Mortgage

hkd1994

I also had hard searches with Credit Karma and ClearScore!

I sent my mortgage consultant at Nationwide additional documents as requested but got no response so chased on Friday and got an out of office so forwarded over to the emails advised on his OOO. They replied on Saturday saying I had no outstanding documents required. Just had an email from the mortgage consultant apologising for not replying last week, and confirming he had attached the documents requested to my application. He said it looks like I should be re-assessed today and that he'll give me an update before he leaves the office at the end of the day. I felt quite cheeky chasing (being an office worker myself I get quite annoyed if someone chases me within 24 hours, lol!) I appreciate his update but now going to be on edge all day!

JAM0915

Has anyone had further documents required? If so, what was requested (if you don’t mind saying) & at what stage? 

Our application went in 19th August, got the valuation booked for this Friday. 

We provided proof of deposit & latest payslip as requested when the application went in, just wondering if you think we can expect to hear about the mortgage after the valuation or if they will do the valuation then expect them to ask for more docs? 

Thanks so much! Hate waiting  

JAM0915

hkd1994 said:

I also had hard searches with Credit Karma and ClearScore!

I sent my mortgage consultant at Nationwide additional documents as requested but got no response so chased on Friday and got an out of office so forwarded over to the emails advised on his OOO. They replied on Saturday saying I had no outstanding documents required. Just had an email from the mortgage consultant apologising for not replying last week, and confirming he had attached the documents requested to my application. He said it looks like I should be re-assessed today and that he'll give me an update before he leaves the office at the end of the day. I felt quite cheeky chasing (being an office worker myself I get quite annoyed if someone chases me within 24 hours, lol!) I appreciate his update but now going to be on edge all day!

I hope you hear some good news soon today, all the best! 

hkd1994

JAM0915 said:

Has anyone had further documents required? If so, what was requested (if you don’t mind saying) & at what stage? 

Our application went in 19th August, got the valuation booked for this Friday. 

We provided proof of deposit & latest payslip as requested when the application went in, just wondering if you think we can expect to hear about the mortgage after the valuation or if they will do the valuation then expect them to ask for more docs? 

Thanks so much! Hate waiting  

I sent everything through on application as requested - payslips, CC statements, proof of deposit, etc. I had the valuation and then a few days later they requested additional docs... a payslip and a CC statement! The payslip was because my pension is referred to as a salary exchange so they wanted confirmation of what that is. They wanted another CC statement showing £0 balance as I usually clear it however with expenses from work it's up and down constantly throughout the month! My latest official CC statement shows a small balance and NatWest won't send me a one off showing it's current balance at £0 so instead have had to send dated screenshots of my online banking and CC transactions. 

My valuation was on a Tuesday and the request for additional docs came in on the Thursday.

rodzer315

JAM0915 said:

Has anyone had further documents required? If so, what was requested (if you don’t mind saying) & at what stage? 

Our application went in 19th August, got the valuation booked for this Friday. 

We provided proof of deposit & latest payslip as requested when the application went in, just wondering if you think we can expect to hear about the mortgage after the valuation or if they will do the valuation then expect them to ask for more docs? 

Thanks so much! Hate waiting  

Hey, we also had an application with Nationwide and I noticed they work pretty much in-line with their SLAs for intermediaries on website. 

Average number of working days for initial assessment

7 days*

Valuation assessment (if required) once received by Nationwide

6 days*

So, if you have sent your application and documents on the 19th, I guess, it has been through the initial assessment, and I guess if more documents would be required on your details, they would request them by now.

We heard back about our mortgage offer on the sixth working day after the valuation day, again, in line with the SLAs posted. Good luck with the valuation and hope you will get the mortgage offer soon! 

hellosunshine17

We are now 14 weeks into our supposedly straightforward application, and since our DIP has now expired everything needs to go through an 'attachment team' to manually attach everything to our application which further slows things down...

Currently on a 100% retention pending updated valuers report, we will have to pull out if they insist on a massive retention, what a waste of time and money if that happens 😞 The frustrating thing is both our surveyor & structural engineer both said the house is sound with no major issues (quoted 2.5k to fix the damp, no structural issues found) so the valuer is being way over cautious and could cost us the house.

We're so desperate to have this done now! 

Our full timeline so far:

27 May: application submitted to Nationwide via broker

28 May: proof of ID requested due to name error

29 May: additional payslips and evidence of deposit requested, sent same day

4 June: email/text to say valuation booked for 11th June

17 June: valuation comes back at £0 due to damp, damp survey requested

24 June: damp survey completed and sent to Nationwide

12 July: full building survey requested by Nationwide (delay due to broker leaving company)

13 July: survey sent to Nationwide (luckily we'd already had one done)

16 July: proof of deposit shortfall requested (?there is none)

20 July: survey rejected by Nationwide as it doesn't have both our names on it or surveyor's qualifications 

23 July: amended survey and proof of deposit sent to Nationwide

28 July: Nationwide sent reports to valuer for checking

4 Aug: structural engineer report requested

13 Aug: structural engineer report sent

20 Aug: structural engineer report forwarded to valuer

27 Aug: Nationwide send further questions to valuer

hawkins1980

JAM0915 said:

Has anyone had further documents required? If so, what was requested (if you don’t mind saying) & at what stage? 

Our application went in 19th August, got the valuation booked for this Friday. 

We provided proof of deposit & latest payslip as requested when the application went in, just wondering if you think we can expect to hear about the mortgage after the valuation or if they will do the valuation then expect them to ask for more docs? 

Thanks so much! Hate waiting  

They asked for the deposit account in a different format as the account details weren't showing on the one I sent. That was last week, but still haven't heard anything yet. 

hawkins1980

hkd1994 said:

I also had hard searches with Credit Karma and ClearScore!

I sent my mortgage consultant at Nationwide additional documents as requested but got no response so chased on Friday and got an out of office so forwarded over to the emails advised on his OOO. They replied on Saturday saying I had no outstanding documents required. Just had an email from the mortgage consultant apologising for not replying last week, and confirming he had attached the documents requested to my application. He said it looks like I should be re-assessed today and that he'll give me an update before he leaves the office at the end of the day. I felt quite cheeky chasing (being an office worker myself I get quite annoyed if someone chases me within 24 hours, lol!) I appreciate his update but now going to be on edge all day!

Fingers crossed for you, hope you can update us when you get news 🙏 

JAM0915

hawkins1980 said:

JAM0915 said:

Has anyone had further documents required? If so, what was requested (if you don’t mind saying) & at what stage? 

Our application went in 19th August, got the valuation booked for this Friday. 

We provided proof of deposit & latest payslip as requested when the application went in, just wondering if you think we can expect to hear about the mortgage after the valuation or if they will do the valuation then expect them to ask for more docs? 

Thanks so much! Hate waiting  

They asked for the deposit account in a different format as the account details weren't showing on the one I sent. That was last week, but still haven't heard anything yet. 

Is that the only additional docs they asked you for? Hope you hear something soon! Keep us updated 

hkd1994

Just had a call from the Estate Agent to let me know the seller's mortgage has now been approved and they have a target date in mind... He was very nice and by no means pushy but... I thought I was on the edge earlier, it's even worse now!