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Nationwide Mortgage

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Comments

  • hanmoe
    hanmoe Posts: 22 Forumite
    10 Posts Name Dropper
    We are too in similar position! 
    Mortgage applied 12th May
    Valuation done 21st May

    Heard nothing since… hoping we will over the next few days. We have contacted broker and he said nothing is showing yet on portal. Have had a hard search show on credit report over the weekend, so something must be happening!!

    Good luck to all of those still waiting! X
  • Shellbell136
    Shellbell136 Posts: 41 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    Essexianinkent said:
    @shellbell136 sounds like we have exactly the same time line! My partner and I are both self employed, although we have a big deposit so hopefully this helps. Are you going through a broker? I'm guessing the wait time with NW coincided with the rates going up and everyone stampeding to remortgage to lock in the best rate. Just so unfortunate timing wise. I have my fingers crossed for you! 
    Yes I have a broker. And I'm emailing her all the time at the moment. She probably sick of me to be honest. 🤣
    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 exchange 



  • Essexianinkent
    Essexianinkent Posts: 13 Forumite
    10 Posts Name Dropper
    Shellbell136 said:
    Essexianinkent said:
    @shellbell136 sounds like we have exactly the same time line! My partner and I are both self employed, although we have a big deposit so hopefully this helps. Are you going through a broker? I'm guessing the wait time with NW coincided with the rates going up and everyone stampeding to remortgage to lock in the best rate. Just so unfortunate timing wise. I have my fingers crossed for you! 
    Yes I have a broker. And I'm emailing her all the time at the moment. She probably sick of me to be honest. 🤣
    Same here 😂 but at least they will get paid at the end of it! 
  • Shellbell136
    Shellbell136 Posts: 41 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    hanmoe said:
    We are too in similar position! 
    Mortgage applied 12th May
    Valuation done 21st May

    Heard nothing since… hoping we will over the next few days. We have contacted broker and he said nothing is showing yet on portal. Have had a hard search show on credit report over the weekend, so something must be happening!!

    Good luck to all of those still waiting! X
    My broker said that there was no update for mine on the portal but yet a second hard search was done on Saturday. She said its very strange. 
    I had a clearscore notification that the first hard search done when the application went in on 10th is going to be removed from my file. 

    Christ knows what is going on. 
    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 exchange 



  • hanmoe
    hanmoe Posts: 22 Forumite
    10 Posts Name Dropper
    We’ve only had the one hard search show so far! The thought of the bank holiday coming up too, only means it could be longer. Has your Estate agent been in contact regarding valuation? Ours called Friday asking if we’d heard yet! 
  • Shellbell136
    Shellbell136 Posts: 41 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    hanmoe said:
    We’ve only had the one hard search show so far! The thought of the bank holiday coming up too, only means it could be longer. Has your Estate agent been in contact regarding valuation? Ours called Friday asking if we’d heard yet! 
    Yes that was all sorted on the 18th when NW down valued it and I and to renegotiate he price. I'm sure I will be hearing from them again soon if NW don't get a move on. 
    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 exchange 



  • GreenCat80
    GreenCat80 Posts: 268 Forumite
    100 Posts Second Anniversary Photogenic Name Dropper
    How do you see the hard searches? Do you have to pay to see that? 
    Debt was £15,903 😬 Now £2718.14 £0 😲🥳



  • hanmoe
    hanmoe Posts: 22 Forumite
    10 Posts Name Dropper
    Do you have ClearScore? If you go to searches it’ll show up on the hard section. X
  • Shellbell136
    Shellbell136 Posts: 41 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    @GreenCat80 no, if you download the clearscore app it will show on there or credit karma. All are free to use. 
    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 exchange 



  • GreenCat80
    GreenCat80 Posts: 268 Forumite
    100 Posts Second Anniversary Photogenic Name Dropper
    Oh brilliant, thank you 😊 
    Debt was £15,903 😬 Now £2718.14 £0 😲🥳



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