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NatWest Mortgage Timescale 2021
Comments
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cp7415 said:saundyc said:cp7415 said:Thought I’d share my experience so far (any advice would be much appreciated)!
Partner and I are FTB, reserved a new build on 12/02 with HTB
(Delayed mortgage application due to admin errors with HTB)
07/03 - Full application submitted through broker
08/03 - documents requested (had to send hard copies in the post)
No update for a couple of weeks (broker said they hadn’t heard anything from NatWest)
23/03 - Asked to confirm a direct debit on payslip (told this would take 5 business days to check)
29/03 - Called NatWest to get tracking number, saw on there the valuation had been done and report received (both 28/03 but broker hadn’t told us about this). There was also still had an outstanding action from 21/03 - called NatWest again to ask what this was and they said they hadn’t received some payslips from broker. Called broker and they said nothing was outstanding.
30/03 - call from broker to request those payslips because they HAD missed them (told this would take another 3 business days to be checked)
04/04 - broker emailed to say that the valuation report had been accepted and we should receive an update by Wednesday and offer by end of the week
06/04 - broker emailed to say underwriting has been delayed because NatWest are receiving large volumes of new cases and they still haven’t reviewed our documents so no idea when we’ll hear back now.
NatWest tracker hasn’t moved since 31/03 and still has the outstanding action on there - been told this is nothing to worry about as the underwriter just hasn’t updated it.
Our reservation on the plot expired on 29/03, luckily the developer have been understanding about the delays so far and are holding our reservation but we’re very concerned we’ll miss out if things continue like this…
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Congrats, flip me there’s no way I can hang on that length of time!0
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Our valuation came back approved on Tuesday 5th April, we've just been waiting for the underwriter to check our documents.
The tracker updated towards the end of the working day on Friday 8th April to show all of the 'checking' actions as ticked off with no pending actions but still no mortgage offer!
I'm assuming we will get news on Monday... fingers crossed!1 -
Kimonos88 said:lantanna said:Spoke to my broker this afternoon, he says valuation still hasn’t been booked but everything else is ok so hopefully once that’s done it will be quick.0
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Kimonos88 said:Kimonos88 said:lantanna said:Spoke to my broker this afternoon, he says valuation still hasn’t been booked but everything else is ok so hopefully once that’s done it will be quick.0
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Yeah I’m hoping they will just offer the mortgage with a condition that the EPC is A or B rating which Barratts guarantee anyway. NatWest don’t accept the predicted energy certificate which is annoying. Hopefully will be fine0
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Our buyers requested a very small reduction in the mortgage last Monday, 1 week later and no news. So frustrating as this is the last hurdle and can exchange straight after.
I was hoping it would just be a formality and would take a day or two but I guess I was optimistic.
Anyone know what the current timescales are for this?
Thanks 👍0 -
Hiya Long time lurker first time poster - were remortgaging to NatWest
app was submitted last week but waiting on valuation that first available date was next week 🤞0 -
Working day 13 no news. Contacted broker today to get them to confirm if the valuation has been done. No response yet. If I’d known about the EWC cert I’d have told the broker not to bother with a Green mortgage. But he never mentioned it…..0
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lantanna said:Working day 13 no news. Contacted broker today to get them to confirm if the valuation has been done. No response yet. If I’d known about the EWC cert I’d have told the broker not to bother with a Green mortgage. But he never mentioned it…..1
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