Nationwide Mortgage

WinterInRome

Congratulations to everyone getting offers 🥳🎉

ours Is finally being reviewed by a senior advisor! Fingers crossed for an offer soon 🤞🏻🤞🏻🤞🏻🤞🏻🤞🏻🤞🏻🤞🏻🤞🏻

Wales2020

hi guys,

does anybody know what stage in the process a hard search is carried out? We have had a hard search from NW and valuation booked 09/09 does that mean it’s been with the underwriter or is there no particular order?  Thanks x 

lisatops

As predicted - nothing heard today despite our case being escalated on Thurs afternoon and being told would hear within 48 hours, lies all lies.
More phone calls planned for tomorrow !!!

loverlygal

Tonyw193 said:

loverlygal said:

Just got our offer too! Hurray! All searches are back too and all fine so onward with the process! Only spanner in the works is that Nationwide have listed our solicitors name wrongly on the paperwork so that needs to be corrected but otherwise we're good to go!

Congratulations! How long did it take from application to offer. 

We actually initially put our application in on the 29th July but were declined just over a fortnight ago as we had applied for a 90% LTV mortgage with a largely gifted deposit without realising it wasn't allowed with Nationwide. On the day we were declined we amended our application and resubmitted it at 85% LTV having managed to scrape together some more savings in the meantime! 

coffeedude55

What did it take for your broker/mortgage consultant to escalate the case?
Our mortgage consultant won't escalate even though we had our valuation back on the 19th of August and the total application time is now at 60 days.

WinterInRome

coffeedude55 said:

What did it take for your broker/mortgage consultant to escalate the case?
Our mortgage consultant won't escalate even though we had our valuation back on the 19th of August and the total application time is now at 60 days.

I actually went over my mortgage advisor as his timings aren’t the best.... I contacted nationwide Friday, and they told me they were waiting for a recent payslip, which we had no idea about!!!!! So I sent that off Friday and my case has been escalated today! I’m fuming because I’ve paid the MA so much money and we’ve done half of it ourselves 😭 My timeline is below!

ftbhouse2020

I've recently applied aswell but been waiting a while for confirmation. 
My MB didn't send off the payslip or seems to be very slow.

85% ltv
Application submitted 11th august
Valuation booked 13th August 
Valuation received 15th August
Hard search  21st august
Request for more documents 25th August 

coffeedude55

WinterInRome said:

coffeedude55 said:

What did it take for your broker/mortgage consultant to escalate the case?
Our mortgage consultant won't escalate even though we had our valuation back on the 19th of August and the total application time is now at 60 days.

I actually went over my mortgage advisor as his timings aren’t the best.... I contacted nationwide Friday, and they told me they were waiting for a recent payslip, which we had no idea about!!!!! So I sent that off Friday and my case has been escalated today! I’m fuming because I’ve paid the MA so much money and we’ve done half of it ourselves 😭 My timeline is below!

Got you, thanks. I might try and escalate it with Nationwide directly tomorrow instead of through the Nationwide consultant.

My timeline:
DIP 16/07
Mortgage App Submitted 28/07
Valuation booked 28/07
Valuation completed 09/08
Valuation reviewed and accepted 19/08

Not sure how much it matters but we're porting with a 75% LTV

coffeedude55

I rang up Nationwide directly today and was told because we re-submitted documents on the 3rd of September we now need to wait till the 21st of September for them to be processed. Even though we submitted all the documents on the 31st of July and some of them were processed on 5th August (why weren’t all?). We were told that they were missing on the 1st September so got them re-submitted and put us back into the queue. Makes no sense, contacted my consultant today to try and sort things out but don’t have any hope. They’re also refusing to escalate.

Chain is about to fall apart. Very frustrating!

WinterInRome

coffeedude55 said:

I rang up Nationwide directly today and was told because we re-submitted documents on the 3rd of September we now need to wait till the 21st of September for them to be processed. Even though we submitted all the documents on the 31st of July and some of them were processed on 5th August (why weren’t all?). We were told that they were missing on the 1st September so got them re-submitted and put us back into the queue. Makes no sense, contacted my consultant today to try and sort things out but don’t have any hope. They’re also refusing to escalate.

Chain is about to fall apart. Very frustrating!

Sounds like an absolute nightmare! This was my worry that I kept stressing about, that the company we are trying to buy the house from, would get fed up of waiting and sell it on to someone else 😂 The sales team kept reassuring me it was fine and they knew it was a pain with the backlog from Covid, but their solicitors were hassling my solicitor daily! 

I’m going to ring nationwide again to try and get a bit more push on my case, considering it’s been escalated now! 🙄