Nationwide Mortgage

FTB_Hopefully

Sallypeanut said:

FTB_Hopefully said:

Morning - So nice to virtually find people in the same boat.. FTB. Offer was accepted 26/10/21 

We had our valuation done on Wednesday 01/12 (Finally after 2 previous cancelled slots!) 
Eagerly anticipating the text to confirm offer on the way. 

We had already had an offer via HSBC on a house that was £10K less - the sale fell through due to time wasting sellers who just did not actually want to commit to move!
Assumed it was going to be straight forward to have the offer moved to a new property - it wasn't they declined us, due to the updated payslips having more commission - than the previous ones we originally submitted. Baffling!! 

Broker suggested Nationwide but after having a rejection from another lender - I am now super anxious.  

Good luck all - fingers crossed. 

I was declined with accord and nationwide accepted me so ille keep all crossed 4 u 

Aww thank you. I think our news will be Monday/Tuesday too. 
Do you know why accord did not approve you? 

We have had the illustration from Nationwide, a couple of weeks ago. I assumed it was approved subject to valuation because we had that.. But until we have the offer - my stomach is in butterflies.   

Meena04

FTB_Hopefully said:

Sallypeanut said:

FTB_Hopefully said:

Morning - So nice to virtually find people in the same boat.. FTB. Offer was accepted 26/10/21 

We had our valuation done on Wednesday 01/12 (Finally after 2 previous cancelled slots!) 
Eagerly anticipating the text to confirm offer on the way. 

We had already had an offer via HSBC on a house that was £10K less - the sale fell through due to time wasting sellers who just did not actually want to commit to move!
Assumed it was going to be straight forward to have the offer moved to a new property - it wasn't they declined us, due to the updated payslips having more commission - than the previous ones we originally submitted. Baffling!! 

Broker suggested Nationwide but after having a rejection from another lender - I am now super anxious.  

Good luck all - fingers crossed. 

I was declined with accord and nationwide accepted me so ille keep all crossed 4 u 

Aww thank you. I think our news will be Monday/Tuesday too. 
Do you know why accord did not approve you? 

We have had the illustration from Nationwide, a couple of weeks ago. I assumed it was approved subject to valuation because we had that.. But until we have the offer - my stomach is in butterflies.   

What is your timeline ? 

Sallypeanut

FTB_Hopefully said:

Sallypeanut said:

FTB_Hopefully said:

Morning - So nice to virtually find people in the same boat.. FTB. Offer was accepted 26/10/21 

We had our valuation done on Wednesday 01/12 (Finally after 2 previous cancelled slots!) 
Eagerly anticipating the text to confirm offer on the way. 

We had already had an offer via HSBC on a house that was £10K less - the sale fell through due to time wasting sellers who just did not actually want to commit to move!
Assumed it was going to be straight forward to have the offer moved to a new property - it wasn't they declined us, due to the updated payslips having more commission - than the previous ones we originally submitted. Baffling!! 

Broker suggested Nationwide but after having a rejection from another lender - I am now super anxious.  

Good luck all - fingers crossed. 

I was declined with accord and nationwide accepted me so ille keep all crossed 4 u 

Aww thank you. I think our news will be Monday/Tuesday too. 
Do you know why accord did not approve you? 

We have had the illustration from Nationwide, a couple of weeks ago. I assumed it was approved subject to valuation because we had that.. But until we have the offer - my stomach is in butterflies.   

It was due to something on my credit file which I've resolved now but nationwide still accepted when we were buying our previous house but it fell through 

FTB_Hopefully

Meena04 said:

FTB_Hopefully said:

Sallypeanut said:

FTB_Hopefully said:

Morning - So nice to virtually find people in the same boat.. FTB. Offer was accepted 26/10/21 

We had our valuation done on Wednesday 01/12 (Finally after 2 previous cancelled slots!) 
Eagerly anticipating the text to confirm offer on the way. 

We had already had an offer via HSBC on a house that was £10K less - the sale fell through due to time wasting sellers who just did not actually want to commit to move!
Assumed it was going to be straight forward to have the offer moved to a new property - it wasn't they declined us, due to the updated payslips having more commission - than the previous ones we originally submitted. Baffling!! 

Broker suggested Nationwide but after having a rejection from another lender - I am now super anxious.  

Good luck all - fingers crossed. 

I was declined with accord and nationwide accepted me so ille keep all crossed 4 u 

Aww thank you. I think our news will be Monday/Tuesday too. 
Do you know why accord did not approve you? 

We have had the illustration from Nationwide, a couple of weeks ago. I assumed it was approved subject to valuation because we had that.. But until we have the offer - my stomach is in butterflies.   

What is your timeline ? 

We technically have quite a lengthy one! 

April - AIP received
May - View, Offer, Offer accepted, apply for mortgage, mortgage accepted (hsbc)
June - Continuous chasing as seller would not instruct solicitors 
July - still chasing
August - They instruct. We book homebuyers - seller refuses access. We give up. 

August-October Lots of viewing and offering... no luck! 
October
 23rd View
 26th offer accepted 
 28th Broker updating HSBC on new property 
 29th Solicitor instructed, searches paid

November 
 4th  Rejected by HSBC through broker 
 9th Applied with Nationwide
 10th Received Illustration 
 15th Valuation due to happen but the person did not turn up. Rebooked for 22nd 
  22nd Seller had to cancel due to illness
 30th Contract pack from solicitor received 

December 
1st Valuation finally happens ! We get the text saying we should hear in a couple of days.. 

Meena04

FTB_Hopefully said:

Meena04 said:

FTB_Hopefully said:

Sallypeanut said:

FTB_Hopefully said:

Morning - So nice to virtually find people in the same boat.. FTB. Offer was accepted 26/10/21 

We had our valuation done on Wednesday 01/12 (Finally after 2 previous cancelled slots!) 
Eagerly anticipating the text to confirm offer on the way. 

We had already had an offer via HSBC on a house that was £10K less - the sale fell through due to time wasting sellers who just did not actually want to commit to move!
Assumed it was going to be straight forward to have the offer moved to a new property - it wasn't they declined us, due to the updated payslips having more commission - than the previous ones we originally submitted. Baffling!! 

Broker suggested Nationwide but after having a rejection from another lender - I am now super anxious.  

Good luck all - fingers crossed. 

I was declined with accord and nationwide accepted me so ille keep all crossed 4 u 

Aww thank you. I think our news will be Monday/Tuesday too. 
Do you know why accord did not approve you? 

We have had the illustration from Nationwide, a couple of weeks ago. I assumed it was approved subject to valuation because we had that.. But until we have the offer - my stomach is in butterflies.   

What is your timeline ? 

We technically have quite a lengthy one! 

April - AIP received
May - View, Offer, Offer accepted, apply for mortgage, mortgage accepted (hsbc)
June - Continuous chasing as seller would not instruct solicitors 
July - still chasing
August - They instruct. We book homebuyers - seller refuses access. We give up. 

August-October Lots of viewing and offering... no luck! 
October
 23rd View
 26th offer accepted 
 28th Broker updating HSBC on new property 
 29th Solicitor instructed, searches paid

November 
 4th  Rejected by HSBC through broker 
 9th Applied with Nationwide
 10th Received Illustration 
 15th Valuation due to happen but the person did not turn up. Rebooked for 22nd 
  22nd Seller had to cancel due to illness
 30th Contract pack from solicitor received 

December 
1st Valuation finally happens ! We get the text saying we should hear in a couple of days.. 

wow I feel for you . Good luck . Some people get texts others don’t . No set routine 

TIGASH

Nothing from me yet either? 

I'm the same constantly checking my phone and emails it's becoming obsessive. 🙃 

I have received my solicitors paperwork  but haven't signed or sent it back. Is that wrong? Scared to sign it if for whatever reason the mortgage doesn't go through. 😕 

Sallypeanut

TIGASH said:

Nothing from me yet either? 

I'm the same constantly checking my phone and emails it's becoming obsessive. 🙃 

I have received my solicitors paperwork  but haven't signed or sent it back. Is that wrong? Scared to sign it if for whatever reason the mortgage doesn't go through. 😕 

I sent mine as there so slow and searches take forever. I've had my 1st search back but few more to go its all the not knowing I've never wished a weekend away so much as this weeks 

FTB_Hopefully

We haven't given ours back in yet - but there was some conflicting info in it. So we mailed the solicitor ands they advised they are raising an enquiry on what we said. 

TIGASH

FTB_Hopefully said:

We haven't given ours back in yet - but there was some conflicting info in it. So we mailed the solicitor ands they advised they are raising an enquiry on what we said. 

Yeah I am the same I have something conflicting on mine too. I emailed the solicitor to let them know. I get the impression the solicitor isn't going to do anything until I send in the contract to say I will agree to pay him. 

Anyone know if Nationwide mortgage work Saturday?

H_Darl

Just wanted to update our situation - we got our mortgage offer yesterday! But then half an hour later we found out that our vendors have lost their onward purchase so we cannot exchange before Christmas as previously agreed….oh the joys of house-buying. Fingers crossed our vendors still move and don’t pull out. 

Timeline if helpful:
25 October - Offer accepted 
2 November - Mortgage application with Nationwide
12 November - Valuation and survey took place 
15 November - Survey returned 
25 November - Request from NW for amended document 
29 November - Document uploaded 
3 December - Mortgage offered 
3 December - Found out our chain is no longer complete due to vendors onward purchase falling through 

and now we wait some more…