NatWest Mortgage Timescale 2021

SlinkyWeevil

Application submitted via broker 10/05, one employed, one self employed, 70% LTV.   Credit checked us both 10/05 but it’s been radio silence since then.  Hoping we hear something soon, feels strange instructing solicitors to start working before knowing for certain if we can borrow

mrslbxo

So no changes to the tracker, everything is still ticked off, and my mortgage broker chased them yesterday afternoon and was told they wanted bank statements (again), copies of student loans, and the memorandum of sale (we only have a doc from our home builder as its a part exchange and they've already had a copy of that).

Had a little stress cry. Working day 26 today 😔

kingstreet

Question to our NatWest BDM yesterday;-

"App submitted on 09/05 not yet showing on tracker. Is there likely to be a problem, or is it just workload?"

Answer from out NatWest BDM yesterday;-

"Case still at pre-underwrite stage – they are taking 8 days through this stage and a further 7 for underwrite at the moment."

mrslbxo

kingstreet said:

Question to our NatWest BDM yesterday;-

"App submitted on 09/05 not yet showing on tracker. Is there likely to be a problem, or is it just workload?"

Answer from out NatWest BDM yesterday;-

"Case still at pre-underwrite stage – they are taking 8 days through this stage and a further 7 for underwrite at the moment."

Could you clarify what happens at preunderwrite and underwriting stage? 

webjaved

This is where I am at the moment.

Complete

• Clarify your client's solicitor's details - 03/05/2022 (Complete - broker confirmed they have those details)
• Valuation instructed - 06/05/2022
• Valuation report received - 06/05/2022
• Reviewing the original payslips - 16/05/2022
  

Pending

• Reviewing the bank statements/accounts - 16/05/2022
• Confirmation that we have received the information sent on behalf of your client - 16/05/2022
  

lauralooo

webjaved said:

Here is where I am at with my mortgage application (via a broker)

A valuation has been instructed and we are now awaiting your client's survey report.

06/05/2022 17:45

Your client's valuation report has been received. We will contact you once this has been fully assessed.

06/05/2022 19:26

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55 

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We need to clarify your client's solicitor's details. Please provide this information quoting your client's mortgage application number.

03/05/2022 17:37 (I raised this with my mortgage broker and he said he chased this & confirmed they have these details)

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:49

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

We are pleased to confirm that we have received the information sent on behalf of your client. We are reviewing this and will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

So I'm just waiting for them to process the ball statements, they did request my April wage slip and that's the latest. It looks like they are just doing their final checks before sending the mortgage offer. I'm employed and not self-employed. 

The valuation/survey was fine and has been approved. 

Mortgage broker said he's hoping we get an offer this week, is that realistic based off the timelines on this thread?

I'm a first time buyer. 

We received our offer 16 working days after all our documents had uploaded on tracker. This included being asked to provide extra information and re uploaded documents that did not upload as well as confirmation of solicitor details. My husband was self-employed. With this in mind, I feel that yours could come back soon and quickly, especially if you are employed and it is straight forward  

webjaved

lauralooo said:

webjaved said:

Here is where I am at with my mortgage application (via a broker)

A valuation has been instructed and we are now awaiting your client's survey report.

06/05/2022 17:45

Your client's valuation report has been received. We will contact you once this has been fully assessed.

06/05/2022 19:26

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55 

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We need to clarify your client's solicitor's details. Please provide this information quoting your client's mortgage application number.

03/05/2022 17:37 (I raised this with my mortgage broker and he said he chased this & confirmed they have these details)

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:49

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

We are pleased to confirm that we have received the information sent on behalf of your client. We are reviewing this and will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

So I'm just waiting for them to process the ball statements, they did request my April wage slip and that's the latest. It looks like they are just doing their final checks before sending the mortgage offer. I'm employed and not self-employed. 

The valuation/survey was fine and has been approved. 

Mortgage broker said he's hoping we get an offer this week, is that realistic based off the timelines on this thread?

I'm a first time buyer. 

We received our offer 16 working days after all our documents had uploaded on tracker. This included being asked to provide extra information and re uploaded documents that did not upload as well as confirmation of solicitor details. My husband was self-employed. With this in mind, I feel that yours could come back soon and quickly, especially if you are employed and it is straight forward  

Finger's crossed. The waiting is the most difficult part. 🤣

PM401981

webjaved said:

Here is where I am at with my mortgage application (via a broker)

A valuation has been instructed and we are now awaiting your client's survey report.

06/05/2022 17:45

Your client's valuation report has been received. We will contact you once this has been fully assessed.

06/05/2022 19:26

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55 

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We need to clarify your client's solicitor's details. Please provide this information quoting your client's mortgage application number.

03/05/2022 17:37 (I raised this with my mortgage broker and he said he chased this & confirmed they have these details)

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:49

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

We are pleased to confirm that we have received the information sent on behalf of your client. We are reviewing this and will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

So I'm just waiting for them to process the documentation submitted, they did request my April wage slip and that's the latest. It looks like they are just doing their final checks before sending the mortgage offer. I'm employed and not self-employed. 

The valuation/survey was fine and has been approved. 

Mortgage broker said he's hoping we get an offer this week, is that realistic based off the timelines on this thread?

I'm a first time buyer. 

I’ve received my offer 23 working days after all
documents has been uploaded but I am self employed 

webjaved

PM401981 said:

webjaved said:

Here is where I am at with my mortgage application (via a broker)

A valuation has been instructed and we are now awaiting your client's survey report.

06/05/2022 17:45

Your client's valuation report has been received. We will contact you once this has been fully assessed.

06/05/2022 19:26

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55 

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We are reviewing the original payslips that you submitted on behalf of your client and will contact you if we need any further information.

16/05/2022 08:55

We need to clarify your client's solicitor's details. Please provide this information quoting your client's mortgage application number.

03/05/2022 17:37 (I raised this with my mortgage broker and he said he chased this & confirmed they have these details)

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:49

We are reviewing the bank statements/accounts you submitted on behalf of your client; we will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

We are pleased to confirm that we have received the information sent on behalf of your client. We are reviewing this and will contact you if we need any further information.

For current processing timescales refer to http://intermediary.natwest.com
16/05/2022 16:52

So I'm just waiting for them to process the documentation submitted, they did request my April wage slip and that's the latest. It looks like they are just doing their final checks before sending the mortgage offer. I'm employed and not self-employed. 

The valuation/survey was fine and has been approved. 

Mortgage broker said he's hoping we get an offer this week, is that realistic based off the timelines on this thread?

I'm a first time buyer. 

I’ve received my offer 23 working days after all
documents has been uploaded but I am self employed 

From what others are saying on this thread, if you are self-employed the checks take a little longer, if you are employed then it's quicker. I am hoping and praying I get my mortgage offer this week.

mrslbxo

Just spoken to Natwest. Apparently it's with the underwriter and we should have an offer confirmed by close of play Tuesday. We shall see.