NatWest Mortgage Timescale 2021

JMHMOM13

CLJ2986 said:

Hopefully, it's a remortgage and they are paying for the valuation too so I really don't think they would have booked it if they were gonna say no 🤣 

We seem to be at the same stage - ours has updated to say valuation has been instructed. Hoping that that’s a good sign. No idea if it’s a desktop or in person. We’re at 70% LTV. 

CLJ2986

Ours is 85% as long as my guesswork on the value holds out... I just used zoopla, it actually reckons its worth 10k more than I put so fingers crossed! House 2 doors up sold for more than ours recently and we have an extra bedroom lol 

nuzaa

CLJ2986 said:

Ours is 85% as long as my guesswork on the value holds out... I just used zoopla, it actually reckons its worth 10k more than I put so fingers crossed! House 2 doors up sold for more than ours recently and we have an extra bedroom lol 

Good luck to you, the valuation is the most stressful part as far as I'm concerned, as it's mostly out of our hands

JMHMOM13

FYI just called to ask what type of valuation they are doing. Advised a desktop one on Tuesday 2nd August. Asked while she was on the phone about documents and confirmed that all is approved subject to the valuation. Hope that helps! 

CLJ2986

JMHMOM13 said:

FYI just called to ask what type of valuation they are doing. Advised a desktop one on Tuesday 2nd August. Asked while she was on the phone about documents and confirmed that all is approved subject to the valuation. Hope that helps! 

Ah thats brilliant for you! I know they are waiting for my other half to have his pay confirmed, I think because I put it as just his salary but he has basic and overtime so my mistake there might put a spanner in it, not sure exactly what his boss will put on the reference 🤔  I had to make an appointment so assume mine is in person.

scotmortgage

Hi all, I've put in a joint application to NatWest via a Broker. 
The broker has been excellent, and very patient considering we are both first time buyers and have approx. 1mil questions!

However it seems to be taking a while and we're a bit nervous because we have some historical (not any more recent than 4 years ago) blemishes on our credit files. 

We got our AIP in June, found a property and had the offer accepted at the end of June.
The full application went in on July 11th (noticed there is a mark on my Experian from this)
Aside from early last week where they asked for my partners proof of right to stay here as he is not a UK citizen, there hasn't been any word.

I know it's within the timeframes just now and we're really hoping for confirmation this week as we have a completion date the solicitor is working towards of the 19th August. Does anybody have a similar experience and know if this is unusually held up or pretty typical for the moment? 

PixelPatch

When the tracker tells you 'we need to discuss your application. Please call us on...' and you can't until tomorrow so you're sat worrying about what they could want...

Jennyg46

PixelPatch said:

When the tracker tells you 'we need to discuss your application. Please call us on...' and you can't until tomorrow so you're sat worrying about what they could want...

Don’t worry with mine they were just asking for document again. 

PixelPatch

Jennyg46 said:

PixelPatch said:

When the tracker tells you 'we need to discuss your application. Please call us on...' and you can't until tomorrow so you're sat worrying about what they could want...

Don’t worry with mine they were just asking for document again. 

Thank you. I rang up this morning and they said there was an outstanding payment for the Homebuyers Report. We had paid it the day our application went in and our digidocs acknowledged we had paid everything etc. The surveyor was already booked by Natwest for tomorrow as well. When the lady refreshed it, it said all received, so they don't seem to know why we are being asked to contact them. She said she'd sent an urgent note through to the team.

But then our advisor we did our application with sent us an email to say that everything is approved with underwriting subject to the valuation so there doesn't seem to be problem. The Twitter support team said to just ignore the message on the tracker as it seems to all be going through fine. Either way, it seems to be progressing nicely for us all around. Fingers crossed it stays that way.

Apollo81

scotmortgage said:

Hi all, I've put in a joint application to NatWest via a Broker. 
The broker has been excellent, and very patient considering we are both first time buyers and have approx. 1mil questions!

However it seems to be taking a while and we're a bit nervous because we have some historical (not any more recent than 4 years ago) blemishes on our credit files. 

We got our AIP in June, found a property and had the offer accepted at the end of June.
The full application went in on July 11th (noticed there is a mark on my Experian from this)
Aside from early last week where they asked for my partners proof of right to stay here as he is not a UK citizen, there hasn't been any word.

I know it's within the timeframes just now and we're really hoping for confirmation this week as we have a completion date the solicitor is working towards of the 19th August. Does anybody have a similar experience and know if this is unusually held up or pretty typical for the moment? 

Hi,

our application went in the beginning of May, and we got our offer 20th July. Both FTB.

Similar to you, My partner is not a UK citizen, but does have settled status, do we just need to send evidence of that.

Fingers crossed you hear something soon.