Any Recent Leeds Building Society applicants?

ashok.198311

brownwise said:

ashok.198311 said:

brownwise said:

ashok.198311 said:

brownwise said:

Hi All,

New here, and new to house buying.

Wife and I are first time buyers, applied for mortgage with LBS. We have applied directly with no MA. We have not had a huge amount of contact with LBS so far. Slightly worrying but at the same time did get a text yesterday to submit valuation request which is now done, so that should be getting sorted soon

Timeline is as follows thus far:

- 7th June Applied for and received DIP online. Submitted full application same day.
- 11th June all documents submitted

- 16th June email requesting documents we had already submitted... Sent them again and made clear I had already sent them
- 18th June email from LBS to confirm those documents had been received and application is with an underwriter. Also received text with link to accept terms of Homebuyer report/survey

Anyone else have experience with applying directly? How quickly do things move along? 

Hi, do you mean Jan...?

  yes...
Can you tell the process is mashing my brain!

Haha.. cool.. guess the process is like that.. I submitted my application on 4th via broker.. and submitted additional documents on 6th.. from that no responses till now.
Are you aware of they are doing a computer valuation or a normal valuation for you...?

I believe it's in person as I've requested a Homebuyer's Report so I think they do it all at once.

Applying direct I can log in and check the status but it still just says "Awaiting Processing" which isn't encouraging. Hoping they're just rubbish at updating the status...

Ah.. Ok Makes sense why they want your consent for Home Buyer Report...I think their status updates are bit bad...

ashok.198311

277Hz said:

277Hz said:

Here's our timeline:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
8 Jan - valuation survey completed

And now we are playing the waiting game!

Update: we received our offer today! Full timeline below:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
5 Jan - valuation survey done (desktop)
11 Jan - mortgage offer received
I'm pretty impressed with the speed of Leeds looking at some of the other threads on the forum.
Good luck everyone!

Hi.. how did you check the hard search on the credit report..? Can you check with the Equifax free report...? Or you a paid customer..?

277Hz

ashok.198311 said:

277Hz said:

277Hz said:

Here's our timeline:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
8 Jan - valuation survey completed

And now we are playing the waiting game!

Update: we received our offer today! Full timeline below:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
5 Jan - valuation survey done (desktop)
11 Jan - mortgage offer received
I'm pretty impressed with the speed of Leeds looking at some of the other threads on the forum.
Good luck everyone!

Hi.. how did you check the hard search on the credit report..? Can you check with the Equifax free report...? Or you a paid customer..?

Hi, I can see the hard search on my free Experian report via the MSE Credit Club.

ashok.198311

277Hz said:

ashok.198311 said:

277Hz said:

277Hz said:

Here's our timeline:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
8 Jan - valuation survey completed

And now we are playing the waiting game!

Update: we received our offer today! Full timeline below:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
5 Jan - valuation survey done (desktop)
11 Jan - mortgage offer received
I'm pretty impressed with the speed of Leeds looking at some of the other threads on the forum.
Good luck everyone!

Hi.. how did you check the hard search on the credit report..? Can you check with the Equifax free report...? Or you a paid customer..?

Hi, I can see the hard search on my free Experian report via the MSE Credit Club.

What is MSE Credit Club.. 

277Hz

ashok.198311 said:

277Hz said:

ashok.198311 said:

277Hz said:

277Hz said:

Here's our timeline:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
8 Jan - valuation survey completed

And now we are playing the waiting game!

Update: we received our offer today! Full timeline below:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
5 Jan - valuation survey done (desktop)
11 Jan - mortgage offer received
I'm pretty impressed with the speed of Leeds looking at some of the other threads on the forum.
Good luck everyone!

Hi.. how did you check the hard search on the credit report..? Can you check with the Equifax free report...? Or you a paid customer..?

Hi, I can see the hard search on my free Experian report via the MSE Credit Club.

What is MSE Credit Club.. 

https://www.moneysavingexpert.com/creditclub/

Maaxx

ashok.198311 said:

Maaxx said:

 ashok.198311 said:

did an one received the initial assessment completed letter recently? how long it took?

I haven't received any letters yet but we are at the valuation stage. Hopefully should receive a letter soon to outline that the assessment has been carried out.

Hi,
How do you knwo the valuations are booked on 3rd of February for you? I went back on your posts and our time lines are almost the same.
Submitted our Docs on 4th Jan, Received the DIP
On 6th We were asked for extra docs, and declaration. We submitted the Declartion with extra documents on 8th..
Checked with the MB today and they are saying we may be still in progress with the Initial Assment...

Hi, our Housing Association informed us as they are the ones that schedule the valuation when they receive the request from Leeds. Nothing is happening for us until our valuation so will be quiet for a few weeks! You should contact your HA as valuation is instructed on day 1 of your application.

ashok.198311

Maaxx said:

ashok.198311 said:

Maaxx said:

 ashok.198311 said:

did an one received the initial assessment completed letter recently? how long it took?

I haven't received any letters yet but we are at the valuation stage. Hopefully should receive a letter soon to outline that the assessment has been carried out.

Hi,
How do you knwo the valuations are booked on 3rd of February for you? I went back on your posts and our time lines are almost the same.
Submitted our Docs on 4th Jan, Received the DIP
On 6th We were asked for extra docs, and declaration. We submitted the Declartion with extra documents on 8th..
Checked with the MB today and they are saying we may be still in progress with the Initial Assment...

Hi, our Housing Association informed us as they are the ones that schedule the valuation when they receive the request from Leeds. Nothing is happening for us until our valuation so will be quiet for a few weeks! You should contact your HA as valuation is instructed on day 1 of your application.

Thanks.. I checked with the letting agents few days back and they said nothing arranged.. the house is about 15 years old and my LTV is 75%.. the letting agent had videos on the advertisement so my one may be going with automatic valuation...

ashok.198311

277Hz said:

ashok.198311 said:

277Hz said:

ashok.198311 said:

277Hz said:

277Hz said:

Here's our timeline:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
8 Jan - valuation survey completed

And now we are playing the waiting game!

Update: we received our offer today! Full timeline below:
16 Dec - Dip
... bit of faff while we switch conveyancers who turned out not to be on a bunch of lender panels including Leeds...
21 Dec - full application
21 Dec - hard search appeared on credit report
4 Jan - some further documents requested (confirmation of mortgage payment holiday, previous employment payslips and credit card statements)
5 Jan - valuation survey done (desktop)
11 Jan - mortgage offer received
I'm pretty impressed with the speed of Leeds looking at some of the other threads on the forum.
Good luck everyone!

Hi.. how did you check the hard search on the credit report..? Can you check with the Equifax free report...? Or you a paid customer..?

Hi, I can see the hard search on my free Experian report via the MSE Credit Club.

What is MSE Credit Club.. 

https://www.moneysavingexpert.com/creditclub/

Thanks.. registered..

L_T_88

We're in the process of buying a shared owneship house, off plan.
We've had an AiP for a couple of weeks, but have been waiting to reserve and appoint solicitors; which we've now done.
Had mortgage interview yesterday and application going in today. This is via a broker. Have been told to expect offer in 3-4 weeks, but potentially longer due to the current circumstances. Hopefully it's not too much longer than that as are meant to exchange within 28 days of MoS (issued yesterday) - but I'm hopeful the RP will understand everyone's working to constraints so will have some flexibility.

Good luck to everyone applying at the moment.

gun_raider

oh wow.

my broker had forgotten to submit some details over to Leeds when she said she had...

that's 2 weeks wasted.. time to wait another 6 days (as if this wasn't more stressful)