Tsb mortgage

jenjen26

sambam67 said:

This is what’s so stressful isn’t it. Luckily I’m a nurse so haven’t being affected financially by Covid. I’m a single applicant so that may be why mines taking so long also? Oh I don’t know. Hopefully we both hear this week. I’m doing my MA head in! She says I’m not but I know I am haha! X

I feel every time my MA opens an email from me she rolls her eyes lol! She says I’m not a pest but I definitely am lol! X

Squeaky9

haras_n0sirrah said:

Got an offer today for an application submitted on the 3rd oct

Just have to reiterate this. haras has helped our application fly by, no hold ups and no questions! We’re 85% LTV. 

1/10 AIP submitted and accepted 
2/10 Application submitted and valuation instructed 
8/10 Desktop valuation performed and back the same day. Came back at offer price. 
12/10 Docs checked and approved and application sent for final checks. 

13/10 Offer!

I hope you both hear something soon. We’re both employed and no furlough and affordability on basic income so perhaps that makes things quicker too?

Massive thanks again to haras for helping  us with this application after our other one got nowhere after 7 weeks. Amazed at how quickly TSB got this through for us in the current climate. 


 

sambam67

That’s wonderful news! There’s hope for the rest of us then... thanks for sharing x

haras_n0sirrah

sambam67 said:

jenjen26 said:

sambam67 said:

Hi, 

I’ve gone with tsb too and like you, no one else seems to post about them. I’m awaiting my offer too. They asked for one months bank statement which I sent on Thursday.. so nows the wait. I’m going nuts waiting since my application with Nationwide was declined at the last minute (35 working day in may I add) 

so glad to finally have a thread that relates to my new ‘hopefully’ lender. 

Sam

When did you submit you application? That’s rubbish with nationwide! Hopefully you hear something soon! That’s my fear here, If tsb decline the next port of call is Halifax. My broker keeps telling me don’t worry, everything’s fine but the waiting is torture!

My MA applied on 10/09 I think.. after a few days they did valuation, that was satisfied a day or 2 later. Then they asked for 1 month bank statement. Due to unforeseen circumstances, was unable to send this until 08/10. My timeline probably won’t help you much since I caused a delay of almost 2 weeks. I really hope to hear this week.. things need to start moving soon or I’ll lose my house 🥺 x

Did your broker not already have your bank statement? Latest 3 months bank statements are on the required document lists 

sambam67

No, she only sent what they asked for at that time (few complex issues) they asked for proof of tax credits/most recent wage slip that was all at first. Then once valuation came back agreed, they asked for one month bank statement.. was this not the same with your application? 
 tharas_n0sirrah said:

sambam67 said:

jenjen26 said:

sambam67 said:

Hi, 

I’ve gone with tsb too and like you, no one else seems to post about them. I’m awaiting my offer too. They asked for one months bank statement which I sent on Thursday.. so nows the wait. I’m going nuts waiting since my application with Nationwide was declined at the last minute (35 working day in may I add) 

so glad to finally have a thread that relates to my new ‘hopefully’ lender. 

Sam

When did you submit you application? That’s rubbish with nationwide! Hopefully you hear something soon! That’s my fear here, If tsb decline the next port of call is Halifax. My broker keeps telling me don’t worry, everything’s fine but the waiting is torture!

My MA applied on 10/09 I think.. after a few days they did valuation, that was satisfied a day or 2 later. Then they asked for 1 month bank statement. Due to unforeseen circumstances, was unable to send this until 08/10. My timeline probably won’t help you much since I caused a delay of almost 2 weeks. I really hope to hear this week.. things need to start moving soon or I’ll lose my house 🥺 x

Did your broker not already have your bank statement? Latest 3 months bank statements are on the required document lists 

haras_n0sirrah

As a broker the minimum we get before application from a client are
Latest 3 payslips
Latest 3 bank statement 
Proof of any other income e.g tax credits (award letter and bank statements to support it)
Proof of deposit
Proof of Id and proof of address.

We only send in what the lender asks for but if they come back for anything it means 9/10 we already have it which saves a lot of time over then having to get it from the client.

sambam67

Yeah I agree. She did have all that but due to a discrepancy on a statement we had to wait in order for it to be submitted. Did tsb only require 1 month bank statement when you applied? Just out of interest? 

Thanks for replying, Sam.

haras_n0sirrah

sambam67 said:

Yeah I agree. She did have all that but due to a discrepancy on a statement we had to wait in order for it to be submitted. Did tsb only require 1 month bank statement when you applied? Just out of interest? 

Thanks for replying, Sam.

My last tsb case was squeaky's (who posted above). Have 3 more about to go in 

glitterfishes

Also a part of the TSB waiting crew! 90% LTV as a single applicant after my joint application with nationwide failed 3 weeks after DIP, I'm back on the horse with TSB.
Timeline so far
27/08 Offer accepted on house
01/09 DIP and full application submitted to Nationwide
22/09 Nationwide declined based on partner's arranged overdraft usage
28/09 TSB DIP approved
29/09 Single applicant application to TSB submitted via broker
06/10 Valuation took place
07/10 Request for more documents confirming my upcoming pay rise 
08/10 Submitted document.... Now we wait..
The wait is becoming agonizing, I just want to know!!

sambam67

We are literally on the same part 🙈 I submitted my document on 08/10 too!! So nerve wracking isn’t it! 🤞🏼🍀
 glitterfishes said:

Also a part of the TSB waiting crew! 90% LTV as a single applicant after my joint application with nationwide failed 3 weeks after DIP, I'm back on the horse with TSB.
Timeline so far
27/08 Offer accepted on house
01/09 DIP and full application submitted to Nationwide
22/09 Nationwide declined based on partner's arranged overdraft usage
28/09 TSB DIP approved
29/09 Single applicant application to TSB submitted via broker
06/10 Valuation took place
07/10 Request for more documents confirming my upcoming pay rise 
08/10 Submitted document.... Now we wait..
The wait is becoming agonizing, I just want to know!!

glitterfishes said:

Also a part of the TSB waiting crew! 90% LTV as a single applicant after my joint application with nationwide failed 3 weeks after DIP, I'm back on the horse with TSB.
Timeline so far
27/08 Offer accepted on house
01/09 DIP and full application submitted to Nationwide
22/09 Nationwide declined based on partner's arranged overdraft usage
28/09 TSB DIP approved
29/09 Single applicant application to TSB submitted via broker
06/10 Valuation took place
07/10 Request for more documents confirming my upcoming pay rise 
08/10 Submitted document.... Now we wait..
The wait is becoming agonizing, I just want to know!!