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Nationwide Mortgage
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Had a notification on ClearScore showing 2 hard searches have been carried out yesterday. Still waiting on valuation to come back. Anyone know if we should hear soon now hard search been done?The wait is killing us 🤣 valuation was done on 21st and haven’t heard anything since.0
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Who knows. If I dont hear anything by the afternoon tomorrow, I might ring up again and just bug them till they send a decision 🤣hanmoe said:Had a notification on ClearScore showing 2 hard searches have been carried out yesterday. Still waiting on valuation to come back. Anyone know if we should hear soon now hard search been done?The wait is killing us 🤣 valuation was done on 21st and haven’t heard anything since.My timeline is as follows:
26/4 DIP referred
27/4 DIP accepted
10/5 Offer accepted on property
10/5 Full application done, April payslip requested
10/5 Hard search done - clearscore
11/5 Instructed solicitor and paid money onto account
11/5 Text to say valuation booked for 12/5
18/5 Broker emailed to say property down valued by 10k.
18/5 Vendor accepted 10k reduction
18/5 Application resubmitted with amended figures.
23/5 Two texts together to say valuation received and being assessed and valuation accepted.
23/5 Subsequent soft search appears on clearscore
24/5 Broker requested bank statements for lender of deposit accounts and full statements for second bank account.
27/5 I rang NW myself for an update. Next update due on 13/6
28/5 Hard search appeared on credit karma and clearscore
9/6 Mortgage offer received
9/6 Instructed solicitor again now that offer received
13/6 Mortgage paperwork received in post
5/7/22 Contract papers received from sellers solicitor to my solicitor(seller delayed this due to not filling out initial paperwork straight away).
5/7/22 Searches have began.
25/7/22 Received title report and searches back
5/9/22 Contracts signed and returned in readiness for exchange0 -
Just thought I would jump on with my timeline after scrolling this site for weeks. My credit is meh, no late payments etc but I use a lot of credit.
11th May DIP (3 separate soft searches)
11th May full application (text confirming)
12th May text advising valuation appointment
13th May valuation
Radio silence until 23rd May with 3 texts in succession
1st we have received your valuation
2nd we have approved your valuation
3rd Congratulations offer made
26th May offer arrived in post stating one also sent to solicitors
28th May hard searches carried out3 -
Oh that’s given me some piece of mind! Thank you for sharing.0
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was it through a mortgage broker direct ?Fanglang said:Just thought I would jump on with my timeline after scrolling this site for weeks. My credit is meh, no late payments etc but I use a lot of credit.
11th May DIP (3 separate soft searches)
11th May full application (text confirming)
12th May text advising valuation appointment
13th May valuation
Radio silence until 23rd May with 3 texts in succession
1st we have received your valuation
2nd we have approved your valuation
3rd Congratulations offer made
26th May offer arrived in post stating one also sent to solicitors
28th May hard searches carried out0 -
Well done on your offer. I hope I hear this week before bank holiday.Fanglang said:Just thought I would jump on with my timeline after scrolling this site for weeks. My credit is meh, no late payments etc but I use a lot of credit.
11th May DIP (3 separate soft searches)
11th May full application (text confirming)
12th May text advising valuation appointment
13th May valuation
Radio silence until 23rd May with 3 texts in succession
1st we have received your valuation
2nd we have approved your valuation
3rd Congratulations offer made
26th May offer arrived in post stating one also sent to solicitors
28th May hard searches carried outMy timeline is as follows:
26/4 DIP referred
27/4 DIP accepted
10/5 Offer accepted on property
10/5 Full application done, April payslip requested
10/5 Hard search done - clearscore
11/5 Instructed solicitor and paid money onto account
11/5 Text to say valuation booked for 12/5
18/5 Broker emailed to say property down valued by 10k.
18/5 Vendor accepted 10k reduction
18/5 Application resubmitted with amended figures.
23/5 Two texts together to say valuation received and being assessed and valuation accepted.
23/5 Subsequent soft search appears on clearscore
24/5 Broker requested bank statements for lender of deposit accounts and full statements for second bank account.
27/5 I rang NW myself for an update. Next update due on 13/6
28/5 Hard search appeared on credit karma and clearscore
9/6 Mortgage offer received
9/6 Instructed solicitor again now that offer received
13/6 Mortgage paperwork received in post
5/7/22 Contract papers received from sellers solicitor to my solicitor(seller delayed this due to not filling out initial paperwork straight away).
5/7/22 Searches have began.
25/7/22 Received title report and searches back
5/9/22 Contracts signed and returned in readiness for exchange0 -
Through a mortgage brokerwas it through a mortgage broker direct ?1 -
Mon 30 May - Phoned NW - they said that the valuation has been accepted ( no text confirmation ) and that on the 18th has been sent to underwriter ( no text for that either ). They said also that it takes a maximum of 10 working days to come back from that process. They should get back to me by 1st of June EOB
Fri 27/05 second hard searchmarrandrew said:9/05 - Text confirming application received.
9/05 - Text confirming valuation has been booked9/05 hard and soft search
11/05 - Valuation received1 -
Update:hudson2012 said:Hi all, think this may be my second ever post but I got tired of lurking. Applied through a broker and my timelines are:
Mortgage applied 13th May
Valuation carried out 17th May
My broker said Nationwide's timelines have increased but hopefully the wait won't be for much longer.
Hard search 29/5/2022
Text confirming mortgage offer issued received today !!!1 -
Congrats!hudson2012 said:
Update:hudson2012 said:Hi all, think this may be my second ever post but I got tired of lurking. Applied through a broker and my timelines are:
Mortgage applied 13th May
Valuation carried out 17th May
My broker said Nationwide's timelines have increased but hopefully the wait won't be for much longer.
Hard search 29/5/2022
Text confirming mortgage offer issued received today !!!1
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