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NatWest Mortgage Timescale 2021
Comments
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Broker just said Natwest have reviewed my documents and they're all happy with it. Does that mean I've passed the underwriting/affordability checks or does it just mean that they won't be asking for any more documents and they've actually yet to check affordability?0
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Valuation survey showing as received on tracker. Does anyone know if Saturdays count as working days??0
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We received an email saying the mortgage was agreed subject to valuation but we went direct. Maybe ask your broker?Raneynickel4 said:Broker just said Natwest have reviewed my documents and they're all happy with it. Does that mean I've passed the underwriting/affordability checks or does it just mean that they won't be asking for any more documents and they've actually yet to check affordability?1 -
Yay full mortgage offer received yesterday so yes they do work Saturdays!!! :-)
Time line if anyone is interested:
17 July - offer made on purchase property and accepted
22 July - full mortgage application started (already had AiP)
24 July - one hr mortgage advisor zoom chat
27 July - two hr mortgage advisor zoom chat. All paperwork signed and credit check done
28 July - received text confirmation valuation survey booked for 20 August
02 Aug - email confirmation that accepted pending valuation
20 Aug - valuation done and uploaded to Natwest
21 Aug - confirmation email received
Very relieved! :-)
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I did, but he hasn't got back to me yet so thought I'd ask here in case anyone knew.WorriedKirkels said:
We received an email saying the mortgage was agreed subject to valuation but we went direct. Maybe ask your broker?Raneynickel4 said:Broker just said Natwest have reviewed my documents and they're all happy with it. Does that mean I've passed the underwriting/affordability checks or does it just mean that they won't be asking for any more documents and they've actually yet to check affordability?0 -
Mortgage offer received! Very impressed with how quickly Natwest has processed it.
Method: Broker
Submission date: 17th August 2021 (t = 0)
Natwest said they're happy with documents: 20th August 2021 (t = 3d)
Mortgage offer received: 23rd August 2021 (t = 6d)
When Natwest said they were happy with my documents there was no mention of when the valuation of the property would be done so I wasn't expecting to hear a decision so soon.0 -
Morning all,
Just a quick question on how the process works once you receive your mortgage offer from NatWest; do they send an electronic copy to your solicitor? Or is this a hard copy via post? Struggling to get replies / confirmation from my solicitor due to the demand.
My timeline:
16th June - Submitted via Broker
18th June - Mortgage offer subject to valuation
19th June - Asked to submit EWS1 Form
15th August - EWS1 form obtained from developer
17th August - Full Mortgage Offer0 -
Thank you!! Did I read you are moving to/in the north west?WorriedKirkels said:
Fantastic news - congratulations 🥳scottie21 said:
UPDATE:scottie21 said:11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to valuation
Just waiting now……
11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to
valuation
19/8: SURPRISE email to say we have been offered a mortgage!! Confirmed with EA surveyor turned up yesterday and did the valuation early as he was in the area. Valued at asking price which was what we had offered!! 🍾🎉🥳
Just waiting on structural survey (booked 26/8) and conveyancing now
Everything crossed for completion pre 30/8 to avoid SDLT 🤞🏼🤞🏼19/7: Sale property on market
24-25/7: 22 viewings on sale property
24/7: Viewed purchase, probate awaited, no chain
27/7: Offer accepted on sale (above asking price) FTBs
28/7: Asking price offer placed on purchase
29/7: Offer accepted on purchase
11/8: Mortgage appointment with natwest
12/8: Mortgage application submitted
13/8: Valuation done on sale
13/8: Valuation on purchase booked for 31/8
16/8: Sale valued at offer price
18/8: Valuer for sale turned up early, valued at offer price
19/8: Mortgage offer received
26/8: Full structural survey done on sale property. Informed probate granted.
3/9: Survey report received, some untoward findings
8/9: Second viewing, decision to reduce offer
10/9: Reduced offer submitted following building quote
11/9: Transfer form & contract signed for sale
13/9: Sale searches back
14/9: Reduced offer accepted
16/9: Mortgage appointment to amend application
17/9: All searches back on purchase
18/9: Contract & transfer form
signed on purchase
20/9: Amended mortgage offer received
21/9: Mortgage redemption requested
22/9: Draft completion statements received
24/9: Exchanged contracts
30/9: Proposed completion0 -
Opposite side for me…..good old Yorkshire 😁scottie21 said:
Thank you!! Did I read you are moving to/in the north west?WorriedKirkels said:
Fantastic news - congratulations 🥳scottie21 said:
UPDATE:scottie21 said:11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to valuation
Just waiting now……
11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to
valuation
19/8: SURPRISE email to say we have been offered a mortgage!! Confirmed with EA surveyor turned up yesterday and did the valuation early as he was in the area. Valued at asking price which was what we had offered!! 🍾🎉🥳
Just waiting on structural survey (booked 26/8) and conveyancing now
Everything crossed for completion pre 30/8 to avoid SDLT 🤞🏼🤞🏼0 -
Ah it must have been someone else I’ll have to read back. XxxWorriedKirkels said:
Opposite side for me…..good old Yorkshire 😁scottie21 said:
Thank you!! Did I read you are moving to/in the north west?WorriedKirkels said:
Fantastic news - congratulations 🥳scottie21 said:
UPDATE:scottie21 said:11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to valuation
Just waiting now……
11/8: MA appointment direct with NatWest passed affordability & credit checks
12/8: Application submitted by MA
13/8: Hard search on credit file
16/8: Answered query from underwriter via MA
17/8: Valuation booked for 31/8 😩
Confirmed mortgage agreed subject to
valuation
19/8: SURPRISE email to say we have been offered a mortgage!! Confirmed with EA surveyor turned up yesterday and did the valuation early as he was in the area. Valued at asking price which was what we had offered!! 🍾🎉🥳
Just waiting on structural survey (booked 26/8) and conveyancing now
Everything crossed for completion pre 30/8 to avoid SDLT 🤞🏼🤞🏼19/7: Sale property on market
24-25/7: 22 viewings on sale property
24/7: Viewed purchase, probate awaited, no chain
27/7: Offer accepted on sale (above asking price) FTBs
28/7: Asking price offer placed on purchase
29/7: Offer accepted on purchase
11/8: Mortgage appointment with natwest
12/8: Mortgage application submitted
13/8: Valuation done on sale
13/8: Valuation on purchase booked for 31/8
16/8: Sale valued at offer price
18/8: Valuer for sale turned up early, valued at offer price
19/8: Mortgage offer received
26/8: Full structural survey done on sale property. Informed probate granted.
3/9: Survey report received, some untoward findings
8/9: Second viewing, decision to reduce offer
10/9: Reduced offer submitted following building quote
11/9: Transfer form & contract signed for sale
13/9: Sale searches back
14/9: Reduced offer accepted
16/9: Mortgage appointment to amend application
17/9: All searches back on purchase
18/9: Contract & transfer form
signed on purchase
20/9: Amended mortgage offer received
21/9: Mortgage redemption requested
22/9: Draft completion statements received
24/9: Exchanged contracts
30/9: Proposed completion1
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