NatWest Mortgage Timescale 2021

nicolanickynic

Hi all 

First time posting!!

I have been stalking this forum for months while embarking on my FTB journey and thought I would provide my timeline for people who may be over thinkers like myself!

FYI applied via a broker!

23/08/21 - AIP received (was told this would be a hard search, was actually soft!)
26/08/21 - Full application submitted
27/08/21 - Documentation submitted
01/09/21 - Agreed subject to valuation

My valuation is booked on the 8th, so if all goes well, hoping to receive an offer soon after.

Those still waiting, find something to distract yourself. As smooth as  my process has been (so far), I have been at breaking point!!! xx

artermissy

Finally received our mortgage offer this morning after 2 weeks!

Just a bit confused with the special conditions in the T&Cs as the offer is subject to them. It states that a standard valuation report will be paid by them, however they had the valuation done a few days after we applied. Do they do two lots of valuations or could this be standard terms they put in the T&Cs?

charlotteo1988

Applied via broker. 

Had a few issues with the valuation. They wanted us to have a roof inspector to come out to check the roof. We ended getting two out to be on the safe side and sent the reports off yesterday. 

I was wondering does anyone know how long it will be for the valuer to say yes or no to our mortgage once they have looked at the reports we sent? 

Here is my timeline: 
19/7/2021 - AIP
05/8/2021 - full application 
15/8/2021 - Seller pulls out find a new property 
20/8/2021 - Seller comes back and we go back to the first property 
31/08/2021 - Valuation completed 
01/09/2021 - Valuer wants us to complete flat roof inspection 
04/09/2021 - two flat roof inspections completed 
6/9/2021 - sent off inspection reports to natwest and broker. 

Waiting for a decision…

charlotteo1988

nicolanickynic said:

Hi all 

First time posting!!

I have been stalking this forum for months while embarking on my FTB journey and thought I would provide my timeline for people who may be over thinkers like myself!

FYI applied via a broker!

23/08/21 - AIP received (was told this would be a hard search, was actually soft!)
26/08/21 - Full application submitted
27/08/21 - Documentation submitted
01/09/21 - Agreed subject to valuation

My valuation is booked on the 8th, so if all goes well, hoping to receive an offer soon after.

Those still waiting, find something to distract yourself. As smooth as  my process has been (so far), I have been at breaking point!!! xx

Don’t read my post after my valuation I thought I was going to have a heart attack with the stress. 🙈 

good luck with your valuation. 

nicolanickynic

charlotteo1988 said:

nicolanickynic said:

Hi all 

First time posting!!

I have been stalking this forum for months while embarking on my FTB journey and thought I would provide my timeline for people who may be over thinkers like myself!

FYI applied via a broker!

23/08/21 - AIP received (was told this would be a hard search, was actually soft!)
26/08/21 - Full application submitted
27/08/21 - Documentation submitted
01/09/21 - Agreed subject to valuation

My valuation is booked on the 8th, so if all goes well, hoping to receive an offer soon after.

Those still waiting, find something to distract yourself. As smooth as  my process has been (so far), I have been at breaking point!!! xx

Don’t read my post after my valuation I thought I was going to have a heart attack with the stress. 🙈 

good luck with your valuation. 

Haha thanks, tomorrow's the day, week. Good luck with yours also!!

nicolanickynic

Haha thanks, tomorrow's the day, week. Good luck with yours also!! 

*eeek

bhhm3

Habito sent my application to Natwest yesterday.

Saw a soft credit check on Experian. Nothing has shown on Clearscore.

this morning the credit check on Experian has disappeared…

How/when will I know if I’ve passed the credit check/underwriting/affordability
checks?

vi009na

bhhm3 said:

Habito sent my application to Natwest yesterday.

Saw a soft credit check on Experian. Nothing has shown on Clearscore.

this morning the credit check on Experian has disappeared…

How/when will I know if I’ve passed the credit check/underwriting/affordability
checks?

Hi There, NatWest use equifax for hard check. Check it out. Should be there on the day application was submitted. On experian I had only soft identity check few days later. Hope it helps. Thanks 

All the best 👍

charlotteo1988

nicolanickynic said:

charlotteo1988 said:

nicolanickynic said:

Hi all 

First time posting!!

I have been stalking this forum for months while embarking on my FTB journey and thought I would provide my timeline for people who may be over thinkers like myself!

FYI applied via a broker!

23/08/21 - AIP received (was told this would be a hard search, was actually soft!)
26/08/21 - Full application submitted
27/08/21 - Documentation submitted
01/09/21 - Agreed subject to valuation

My valuation is booked on the 8th, so if all goes well, hoping to receive an offer soon after.

Those still waiting, find something to distract yourself. As smooth as  my process has been (so far), I have been at breaking point!!! xx

Don’t read my post after my valuation I thought I was going to have a heart attack with the stress. 🙈 

good luck with your valuation. 

Haha thanks, tomorrow's the day, week. Good luck with yours also!!

Hope all goes well today. Natwest have sent off our inspection reports they asked for after their valuation. I was told it should be around 48 hours to get a response either yes, no or want more stuff. 😣 

So might hear something tomorrow. 

charlotteo1988

bhhm3 said:

Habito sent my application to Natwest yesterday.

Saw a soft credit check on Experian. Nothing has shown on Clearscore.

this morning the credit check on Experian has disappeared…

How/when will I know if I’ve passed the credit check/underwriting/affordability
checks?

Can you not get your mortgage application number to track it online?