Any Recent Leeds Building Society applicants?

hjohnson89956

I’ve been told to expect an outcome either today or tomorrow. The waiting is the worse part.

They have requested more documents probably 3 times now, our broker has said we should know by Friday at the latest.

🤞🏼🤞🏼🤞🏼

hjohnson89956

L3M said:

This post has kept me sane knowing other ppl have been in the same boat. I just wanted to share our timeline as we just got confirmation of offer today from Leeds.
21/09 - Broker submits to Leeds
21/09 - Soft Credit via equifax
21/09 - Recieved AIP 
21/09 - Full application submitted
24/09 - Hard Credit via equifax
02/10 - Asked for an additional payslip
15/10 - Request for additional info and paid survey fee 
27/10 - Valuation/Survey done
05/11 - Offer recieved via broker

Total 34 working Days

This gives me a little bit of hope, we were around the same time as this too🤞🏼We’ve been told we should hear today or tomorrow. 

Monik2510a

We have called Leeds for an update as our broker is not replying to messager and not answering his phone. We have sent additional info on the 15th or 16th October (can't remember as I'm fuming now). Leeds have contacted the broker on the 26th October because they couldn't open some of the attachments, the broker only replied to them YESTERDAY. And they were still missing one thing, which we confirmed on the phone today (asked if hubby is on furlough - he isn't). I'm feel messed about  

sofsar

Monik2510a said:

We have called Leeds for an update as our broker is not replying to messager and not answering his phone. We have sent additional info on the 15th or 16th October (can't remember as I'm fuming now). Leeds have contacted the broker on the 26th October because they couldn't open some of the attachments, the broker only replied to them YESTERDAY. And they were still missing one thing, which we confirmed on the phone today (asked if hubby is on furlough - he isn't). I'm feel messed about  

Leave him a bad review once you get your offer . 

If you have provided the new info I’m sure you will hear by next week. Don’t worry too much and just think you have the offer 

hjohnson89956

Heard back from my broker apparently all of documents have now been assessed and they are satisfied.
However we are waiting for our valuation report to come back from countrywide, how long did everyone else’s take to come back?
Can I relax a little bit now?! Or not until we get the offer

MojoMuffin

We've just got our mortgage offer through!! 
If I could give anyone a word of advice, check regularly if your solicitor is all set to go. If they are, get your MA to contact LBS and let them know, we weren't supposed to hear back until 13th Nov but because we were just waiting on LBS, they got everything sorted within 2 working days when our MA told them everyone was ready.

Thanks so much to everyone on this thread that has kept me sane!! Best of luck and fingers crossed you all hear something soon

15-Sep Mortgage application submitted

17-Sep Hard credit search (2 days in)

06-Oct Letter from LBS confirming initial assessment (15 days in)

29-Oct Additional information requested (32 days in)

29-Oct  Additional information sent (confirmed we'd never taken a payment holiday).
4-Nov Solicitor confirmed they were ready to go. MA rang LBS to chase and let them know everything was ready on our side. LBS responded that they'd give us either an update or offer within 2 working days.
6-Nov OFFER RECEIVED! 

Monik2510a

Congratulations to everyone who had their offers  
We've had a reply from our MA last night tk say that apparently he's hears nothing from Leeds on the 26th October, that he's spoken to them 2 days ago, they have advised about the attachments that they couldn't open, he's sent everything through and they sakd to give them a call on Friday (today) which is what he was supposed to do first thing today. Because we've heard nothing, I called him at 12, no answer. I've messaged him - no reply....I feel like he's messed up and now ignoring us

MojoMuffin

We're going to speak to our MA and solicitor about this on Monday, but has anyone had the below mentioned as part of their mortgage offer? 

What happens if you move house? 
You do not have the possibility to transfer this loan to another property. You do not have the right to transfer this loan to another lender.
I'll update the thread with what we hear but is this quite normal for a mortgage application? Surely we wouldn't have to pay off our complete mortgage before moving to a different property?....

Monik2510a

MojoMuffin said:

We're going to speak to our MA and solicitor about this on Monday, but has anyone had the below mentioned as part of their mortgage offer? 

What happens if you move house? 
You do not have the possibility to transfer this loan to another property. You do not have the right to transfer this loan to another lender.
I'll update the thread with what we hear but is this quite normal for a mortgage application? Surely we wouldn't have to pay off our complete mortgage before moving to a different property?....

Just wondering if you have spokent to your MA/Solicitor abiut it?

MojoMuffin

Monik2510a said:

Just wondering if you have spokent to your MA/Solicitor abiut it?

We have! It's all quite normal and our mortgage will be reviewed in 2 years time, in which we are able to either stay with LBS, move to a different lender depending on who is offering the best deal, and of course sell our share of the mortgage and start afresh elsewhere. 
Any questions, just let me know!