Nationwide Mortgage

WinterInRome

PG77 said:

Dear all,
Here is my timeline, i think we have been very lucky to be fair but it didn't stop me from getting angry/nervous/frustrated throughout. FTB - 75% LTV + 20% HTB + 5% Deposit.
20/08 - DIP
20/08 - Soft Credit Search reported on all CRA';s.
20/08 - Full application submitted (Text received from NW)
24/08 - Valuation booked for 28/08 (Text received from NW)
28/08 - Valuation carried out 28/08 (Text received from NW)
02/09 - Additional document needed (Found this out when i contacted NW via webchat, they hadn't asked my broker yet)
07/09 - Contacted Webchat again. Was told document takes 9 days to review and will likely hear around 16th.
08/09 - Mortgage offer issued (Text Received. Offer in writing sent to Broker on PDF)
Used a broker, has been no hard search. 12 Working days end to end.
What i would say is, apart from the additional payslip, we received no requests for documentation because our broker asked us for it up front (There was a lot). The additional was due to falling into a new month. 
He analysed our financial information and the documents to back it up before he advised which lender to go with.
They asked him for the documents they needed and he uploaded straight away because he had it all. There was no back and forth. I'm so glad i used one. A good, reputable, broker..in my opinion, has made all the difference.

You’ve been so lucky! Congratulations on your offer 🥳 the exact same thing happened to me with the request for documents! We have gone through two more payslips, since our application was sent in and I only found out we needed them as I had contacted NW myself through webchat 😭

I’m getting so desperate now!!!

lisatops

PG77 said:

Dear all,
Here is my timeline, i think we have been very lucky to be fair but it didn't stop me from getting angry/nervous/frustrated throughout. FTB - 75% LTV + 20% HTB + 5% Deposit.
20/08 - DIP
20/08 - Soft Credit Search reported on all CRA';s.
20/08 - Full application submitted (Text received from NW)
24/08 - Valuation booked for 28/08 (Text received from NW)
28/08 - Valuation carried out 28/08 (Text received from NW)
02/09 - Additional document needed (Found this out when i contacted NW via webchat, they hadn't asked my broker yet)
07/09 - Contacted Webchat again. Was told document takes 9 days to review and will likely hear around 16th.
08/09 - Mortgage offer issued (Text Received. Offer in writing sent to Broker on PDF)
Used a broker, has been no hard search. 12 Working days end to end.
What i would say is, apart from the additional payslip, we received no requests for documentation because our broker asked us for it up front (There was a lot). The additional was due to falling into a new month. 
He analysed our financial information and the documents to back it up before he advised which lender to go with.
They asked him for the documents they needed and he uploaded straight away because he had it all. There was no back and forth. I'm so glad i used one. A good, reputable, broker..in my opinion, has made all the difference.

You are very lucky, we are 75% LTV - 20% HTB - 5% deposit - we were asked for x3 additional docs on 19/8, other than our valuation, there is nothing else for them to do other than issue the offer.

We are now on Working Day 27!!!!!
I ring and get told one thing, my broker speaks to the bdm and gets told something completely different.

WinterInRome

lisatops said:

PG77 said:

Dear all,
Here is my timeline, i think we have been very lucky to be fair but it didn't stop me from getting angry/nervous/frustrated throughout. FTB - 75% LTV + 20% HTB + 5% Deposit.
20/08 - DIP
20/08 - Soft Credit Search reported on all CRA';s.
20/08 - Full application submitted (Text received from NW)
24/08 - Valuation booked for 28/08 (Text received from NW)
28/08 - Valuation carried out 28/08 (Text received from NW)
02/09 - Additional document needed (Found this out when i contacted NW via webchat, they hadn't asked my broker yet)
07/09 - Contacted Webchat again. Was told document takes 9 days to review and will likely hear around 16th.
08/09 - Mortgage offer issued (Text Received. Offer in writing sent to Broker on PDF)
Used a broker, has been no hard search. 12 Working days end to end.
What i would say is, apart from the additional payslip, we received no requests for documentation because our broker asked us for it up front (There was a lot). The additional was due to falling into a new month. 
He analysed our financial information and the documents to back it up before he advised which lender to go with.
They asked him for the documents they needed and he uploaded straight away because he had it all. There was no back and forth. I'm so glad i used one. A good, reputable, broker..in my opinion, has made all the difference.

You are very lucky, we are 75% LTV - 20% HTB - 5% deposit - we were asked for x3 additional docs on 19/8, other than our valuation, there is nothing else for them to do other than issue the offer.

We are now on Working Day 27!!!!!
I ring and get told one thing, my broker speaks to the bdm and gets told something completely different.

We are like the remaining OG’s of this post 😂😭 If I don’t laugh about it, I’d cry! 

lisatops

WinterInRome said:

lisatops said:

PG77 said:

Dear all,
Here is my timeline, i think we have been very lucky to be fair but it didn't stop me from getting angry/nervous/frustrated throughout. FTB - 75% LTV + 20% HTB + 5% Deposit.
20/08 - DIP
20/08 - Soft Credit Search reported on all CRA';s.
20/08 - Full application submitted (Text received from NW)
24/08 - Valuation booked for 28/08 (Text received from NW)
28/08 - Valuation carried out 28/08 (Text received from NW)
02/09 - Additional document needed (Found this out when i contacted NW via webchat, they hadn't asked my broker yet)
07/09 - Contacted Webchat again. Was told document takes 9 days to review and will likely hear around 16th.
08/09 - Mortgage offer issued (Text Received. Offer in writing sent to Broker on PDF)
Used a broker, has been no hard search. 12 Working days end to end.
What i would say is, apart from the additional payslip, we received no requests for documentation because our broker asked us for it up front (There was a lot). The additional was due to falling into a new month. 
He analysed our financial information and the documents to back it up before he advised which lender to go with.
They asked him for the documents they needed and he uploaded straight away because he had it all. There was no back and forth. I'm so glad i used one. A good, reputable, broker..in my opinion, has made all the difference.

You are very lucky, we are 75% LTV - 20% HTB - 5% deposit - we were asked for x3 additional docs on 19/8, other than our valuation, there is nothing else for them to do other than issue the offer.

We are now on Working Day 27!!!!!
I ring and get told one thing, my broker speaks to the bdm and gets told something completely different.

We are like the remaining OG’s of this post 😂😭 If I don’t laugh about it, I’d cry! 

Lol, definately the OG's lol !
I had a little cry on my own on the drive into the office this morning.

I have also made a complaint to NW, but they then quote 7 days to respond to that, you couldn't make this s**t up !!

fountainradar

07/08 - DIP from Natwest

10/08 - Full application went in

12/08 - Valuation instructed

19/08 - Valuation completed - desktop valuation value higher than offer

20/08 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info. (not visible on tracker)

21/08 - Broker sent the relevant information - all this information was already sent when the full application was made on 10/08.

25/08 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info again. (not visible on tracker)

26/08 - Broker sent in latest Aug Payslip and Bonus details sent with letter of employer - cc'd me in the email.

01/09 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info yet again. (not visible on tracker) An email was sent to the broker on this day.

02/09 - Broker says no such email is received. Requested me to wait a few days as the service levels show that the documents on 26/08 weren't probably reviewed.

Have held myself back from contacting live chat or calling Natwest as that seems to be one of the reasons why this isn't progressing.

Was so happy that the valuation was done fairly quickly but now the offer part is taking forever!

Anything I can do to speed up the process? I have submitted literally every document with a strong supporting document to make sure the mortgage application is air tight.

The application is on the basis of 80%-20% LTV.

lisatops

fountainradar said:

07/08 - DIP from Natwest

10/08 - Full application went in

12/08 - Valuation instructed

19/08 - Valuation completed - desktop valuation value higher than offer

20/08 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info. (not visible on tracker)

21/08 - Broker sent the relevant information - all this information was already sent when the full application was made on 10/08.

25/08 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info again. (not visible on tracker)

26/08 - Broker sent in latest Aug Payslip and Bonus details sent with letter of employer - cc'd me in the email.

01/09 - Spoke to Natwest live chat - said they were waiting on payslip and bonus info yet again. (not visible on tracker) An email was sent to the broker on this day.

02/09 - Broker says no such email is received. Requested me to wait a few days as the service levels show that the documents on 26/08 weren't probably reviewed.

Have held myself back from contacting live chat or calling Natwest as that seems to be one of the reasons why this isn't progressing.

Was so happy that the valuation was done fairly quickly but now the offer part is taking forever!

Anything I can do to speed up the process? I have submitted literally every document with a strong supporting document to make sure the mortgage application is air tight.

The application is on the basis of 80%-20% LTV.

This is a Nationwide thread - not a Nat West one.

CharFTB

I know I have to wait until Monday but every time my phone goes off I am begging it to be *that* text 😂😂

lisatops

CharFTB said:

I know I have to wait until Monday but every time my phone goes off I am begging it to be *that* text 😂😂

I got a Natiowide text........................but it was to acknowledge my complaint, how deflating 

WinterInRome

lisatops said:

CharFTB said:

I know I have to wait until Monday but every time my phone goes off I am begging it to be *that* text 😂😂

I got a Natiowide text........................but it was to acknowledge my complaint, how deflating 

I would have thrown my phone! 😂

xMeganCL

I'm on hold to them just now to try and get an update