NatWest Mortgage Timescale 2021

Sher1987

docspers said:

People with offers: are you receiving hard copies by post as well as the pdfs on DigiDocs?

Was my broker suppose to email me copy of the offer  she just rang me and told me 

PM401981

Sher1987 said:

PM401981 said:

Sher1987 said:

My application has gone to the underwriter on the 5th May still on the queue my broker has been updating me every 2 days 

She did mention theres a backlog for every lender currently due to everyone putting the application in before the rates when up 

Good luck everyone I feel your pain 

Solo buyer 
Self employed 
Desk top valuation satisfactory 

 I am in the same position as you but my application has gone to underwriter on the 14th April. 

Yesterday I heard from the underwriter reviewing my application and he is happy to sanction the lending just as soon as I can provide updated Tax year overview or SA302 so they match. The total tax agrees to the tax calculation but we have supplied all paperwork again. I’ve been told once received a mortgage offer will be issued. Just checked my tracker and it seems all documents has been ticked off and reviewed. 

Wow that's nearly a month at least that's a good news at the end, what a relief 

I’ve been through this before (vendor pulled out on the day of exchange). My previous mortgage was with coop platform and it took them 2.5 months to issue offer.
Obtaining mortage is stressful but real nightmare starts with conveyancing. 

Sher1987

PM401981 said:

Sher1987 said:

PM401981 said:

Sher1987 said:

My application has gone to the underwriter on the 5th May still on the queue my broker has been updating me every 2 days 

She did mention theres a backlog for every lender currently due to everyone putting the application in before the rates when up 

Good luck everyone I feel your pain 

Solo buyer 
Self employed 
Desk top valuation satisfactory 

 I am in the same position as you but my application has gone to underwriter on the 14th April. 

Yesterday I heard from the underwriter reviewing my application and he is happy to sanction the lending just as soon as I can provide updated Tax year overview or SA302 so they match. The total tax agrees to the tax calculation but we have supplied all paperwork again. I’ve been told once received a mortgage offer will be issued. Just checked my tracker and it seems all documents has been ticked off and reviewed. 

Wow that's nearly a month at least that's a good news at the end, what a relief 

I’ve been through this before (vendor pulled out on the day of exchange). My previous mortgage was with coop platform and it took them 2.5 months to issue offer.
Obtaining mortage is stressful but real nightmare starts with conveyancing. 

Iv had the worst experience I have been trying to obtain a mortgage since March my previous broker has been messing us around, ES was going to put the house back on the market I acually cried in relief yesterday when I got the news it was approved, we have been blessed with the best venders stay in touch and update each other, I am a first time buyer there moving and found a house chains broken now, so now just waiting for the searches to come back both of us, I pray they don't pull out there cash buyers and gave me that time so far so good they have started clearing the house so it's a good 🙏 

lantanna

Fingers crossed for you Sher1987. Your so close now if they pull out now they ll just have to go through the process with somebody else. I’m a ftb as well and can’t see me putting myself through this again for at least another decade!

Sher1987

lantanna said:

Fingers crossed for you Sher1987. Your so close now if they pull out now they ll just have to go through the process with somebody else. I’m a ftb as well and can’t see me putting myself through this again for at least another decade!

Thank you I do hope you and everyone else's goes smoothly this group has helped me so much its such a stressful process I can't even function properly the stress is real same I won't be doing this again 

lantanna

Sher1987 said:

lantanna said:

Fingers crossed for you Sher1987. Your so close now if they pull out now they ll just have to go through the process with somebody else. I’m a ftb as well and can’t see me putting myself through this again for at least another decade!

Thank you I do hope you and everyone else's goes smoothly this group has helped me so much its such a stressful process I can't even function properly the stress is real same I won't be doing this again 

I know could you imagine doing it if we had houses to sell as well. I just have a rental to pack up now and move out of!  Multiple dump runs now need to commence

PM401981

Sher1987 said:

PM401981 said:

Sher1987 said:

PM401981 said:

Sher1987 said:

My application has gone to the underwriter on the 5th May still on the queue my broker has been updating me every 2 days 

She did mention theres a backlog for every lender currently due to everyone putting the application in before the rates when up 

Good luck everyone I feel your pain 

Solo buyer 
Self employed 
Desk top valuation satisfactory 

 I am in the same position as you but my application has gone to underwriter on the 14th April. 

Yesterday I heard from the underwriter reviewing my application and he is happy to sanction the lending just as soon as I can provide updated Tax year overview or SA302 so they match. The total tax agrees to the tax calculation but we have supplied all paperwork again. I’ve been told once received a mortgage offer will be issued. Just checked my tracker and it seems all documents has been ticked off and reviewed. 

Wow that's nearly a month at least that's a good news at the end, what a relief 

I’ve been through this before (vendor pulled out on the day of exchange). My previous mortgage was with coop platform and it took them 2.5 months to issue offer.
Obtaining mortage is stressful but real nightmare starts with conveyancing. 

Iv had the worst experience I have been trying to obtain a mortgage since March my previous broker has been messing us around, ES was going to put the house back on the market I acually cried in relief yesterday when I got the news it was approved, we have been blessed with the best venders stay in touch and update each other, I am a first time buyer there moving and found a house chains broken now, so now just waiting for the searches to come back both of us, I pray they don't pull out there cash buyers and gave me that time so far so good they have started clearing the house so it's a good 🙏 

I have started all legal work before applying for mortgage. All searches are done and house cleared  for me to move in too 🙂

hope it won’t be long, my rent went up again and I’m fed up paying someone else mortage.

lantanna

When you get your offers make sure you go through them carefully. I’ve found 2 mistakes on mine, the postcode is wrong and the outstanding balance is incorrect. £1005 more than it should be. Just rang up and hopefully this is sorted quickly.  Seems the valuer put the wrong postcode on the valuation. 

PM401981

lantanna said:

Sher1987 said:

lantanna said:

Fingers crossed for you Sher1987. Your so close now if they pull out now they ll just have to go through the process with somebody else. I’m a ftb as well and can’t see me putting myself through this again for at least another decade!

Thank you I do hope you and everyone else's goes smoothly this group has helped me so much its such a stressful process I can't even function properly the stress is real same I won't be doing this again 

I know could you imagine doing it if we had houses to sell as well. I just have a rental to pack up now and move out of!  Multiple dump runs now need to commence

Can’t wait to shut door behind my overpriced rental. Luckily I’m on monthly rolling.

Fingers crossed for smooth exchange 🤞

Sher1987

PM401981 said:

Sher1987 said:

PM401981 said:

Sher1987 said:

PM401981 said:

Sher1987 said:

My application has gone to the underwriter on the 5th May still on the queue my broker has been updating me every 2 days 

She did mention theres a backlog for every lender currently due to everyone putting the application in before the rates when up 

Good luck everyone I feel your pain 

Solo buyer 
Self employed 
Desk top valuation satisfactory 

 I am in the same position as you but my application has gone to underwriter on the 14th April. 

Yesterday I heard from the underwriter reviewing my application and he is happy to sanction the lending just as soon as I can provide updated Tax year overview or SA302 so they match. The total tax agrees to the tax calculation but we have supplied all paperwork again. I’ve been told once received a mortgage offer will be issued. Just checked my tracker and it seems all documents has been ticked off and reviewed. 

Wow that's nearly a month at least that's a good news at the end, what a relief 

I’ve been through this before (vendor pulled out on the day of exchange). My previous mortgage was with coop platform and it took them 2.5 months to issue offer.
Obtaining mortage is stressful but real nightmare starts with conveyancing. 

Iv had the worst experience I have been trying to obtain a mortgage since March my previous broker has been messing us around, ES was going to put the house back on the market I acually cried in relief yesterday when I got the news it was approved, we have been blessed with the best venders stay in touch and update each other, I am a first time buyer there moving and found a house chains broken now, so now just waiting for the searches to come back both of us, I pray they don't pull out there cash buyers and gave me that time so far so good they have started clearing the house so it's a good 🙏 

I have started all legal work before applying for mortgage. All searches are done and house cleared  for me to move in too 🙂

hope it won’t be long, my rent went up again and I’m fed up paying someone else mortage.

I started the legal work before applying for mortgage aswell praying its quick, hope its not long for you fingers crossed