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Saffron BS Mortgage

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  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Debt free journey started 30/08/2023:

    CC1 - 5,151.92 now 5,335.15
    CC3 - 4,166.15 now 5,345.28
    CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
    Current outstanding: 16,397.67
    Debt free by Jul 2027.

    Challenges:
    NSD Apr 2025 - 7/20
    NST Apr 2025 - 
    #31 1p savings 2025 £32.40/£667.95
    2025 Fashion on the ration - Coupons remaining 43.5/66
  • Not sure about exchange date yet, hoping to hear this week but expecting it to be between 2 and 3 weeks before. So beginning of July at the latest I hope. 

    Oh my goodness! What a nightmare. But I'm glad you finally got some information from someone. Feels like you've been waiting for the next steps for so long now. Everything crossed you can exchange this week and hopefully you'll be all done by the end of this month. Keep chasing them! All the stress will be worth it when you're in your new home 🏡☺
  • kennedy1989
    kennedy1989 Posts: 100 Forumite
    10 Posts Name Dropper
    laura_lau said:
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Please please please tell me you have exchanged and completed! Or at least exchanged. I’m so sorry it’s been so slow for you. Saffron moved very quick for us on releasing funds, they have a week notice and sent us a text when they had released it too. They also sent an amazing welcome hamper a week after we got the keys! Got some yummy goodies in there to enjoy! 
  • laura_lau said:
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Please please please tell me you have exchanged and completed! Or at least exchanged. I’m so sorry it’s been so slow for you. Saffron moved very quick for us on releasing funds, they have a week notice and sent us a text when they had released it too. They also sent an amazing welcome hamper a week after we got the keys! Got some yummy goodies in there to enjoy! 
    Hi again Kennedy, great to hear you're all in and settled. We are nearly at the point of exchange, completion date set for less than 3 weeks from now. Just a quick question  - did Saffron run any further credit checks before releasing the funds? I don't know why I'm worrying about this as our circumstances haven't changed at all... think I just always need something to worry about 🤣
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    laura_lau said:
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Please please please tell me you have exchanged and completed! Or at least exchanged. I’m so sorry it’s been so slow for you. Saffron moved very quick for us on releasing funds, they have a week notice and sent us a text when they had released it too. They also sent an amazing welcome hamper a week after we got the keys! Got some yummy goodies in there to enjoy! 
    Thank you @kennedy1989 !!! That's great, I hope they have done everything as it should, as on Friday my solicitor informed me se will try and exchange today! I'm feeling very tense now!!! If everything goes well and we exchange today, we should complete Wednesday.
    The hamper thing sounds amazing, can't wait to receive it! Thanks for telling me actually, as I'll not move into the property until the 16th July, so I'll pop there every day or so just to be sure!


    Debt free journey started 30/08/2023:

    CC1 - 5,151.92 now 5,335.15
    CC3 - 4,166.15 now 5,345.28
    CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
    Current outstanding: 16,397.67
    Debt free by Jul 2027.

    Challenges:
    NSD Apr 2025 - 7/20
    NST Apr 2025 - 
    #31 1p savings 2025 £32.40/£667.95
    2025 Fashion on the ration - Coupons remaining 43.5/66
  • laura_lau said:
    laura_lau said:
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Please please please tell me you have exchanged and completed! Or at least exchanged. I’m so sorry it’s been so slow for you. Saffron moved very quick for us on releasing funds, they have a week notice and sent us a text when they had released it too. They also sent an amazing welcome hamper a week after we got the keys! Got some yummy goodies in there to enjoy! 
    Thank you @kennedy1989 !!! That's great, I hope they have done everything as it should, as on Friday my solicitor informed me se will try and exchange today! I'm feeling very tense now!!! If everything goes well and we exchange today, we should complete Wednesday.
    The hamper thing sounds amazing, can't wait to receive it! Thanks for telling me actually, as I'll not move into the property until the 16th July, so I'll pop there every day or so just to be sure!


    Great news!
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    laura_lau said:
    laura_lau said:
    wow, that's great news!!! Less than one month to go!!!! At this pace, I might complete not much earlier than you, or even pretty much the same week, who knows!!! Keep me updated!!! When are you exchanging?

    Thank you, I've taken a note of the solicitor, if in the future I upgrade property I'll definitely contact them!

    From my side, I finally managed to know why we weren't able to exchange last week, had to know from the agent, because my solicitor refuses to ever tell me details! So basically, after I compiled that form about building insurance, the solicitor never replied to my question if that was all ok, and they reached out to the vendor's solicitor to request details. Obviously they had then to ask the details about insurance from the property management, and that's where we are. According to the agent, they will send the info today and then we will be able to exchange, but I'm not holding my breath. Honestly, even if they send the info today, knowing how slow the seller's solicitor is, how slow my solicitor is, and how slow Saffron is, I will consider it a success if we manage to exchange before Friday!
    Please please please tell me you have exchanged and completed! Or at least exchanged. I’m so sorry it’s been so slow for you. Saffron moved very quick for us on releasing funds, they have a week notice and sent us a text when they had released it too. They also sent an amazing welcome hamper a week after we got the keys! Got some yummy goodies in there to enjoy! 
    Thank you @kennedy1989 !!! That's great, I hope they have done everything as it should, as on Friday my solicitor informed me se will try and exchange today! I'm feeling very tense now!!! If everything goes well and we exchange today, we should complete Wednesday.
    The hamper thing sounds amazing, can't wait to receive it! Thanks for telling me actually, as I'll not move into the property until the 16th July, so I'll pop there every day or so just to be sure!


    Great news!
    Thanks! Still hasn't happened yet. I'm almost at breaking point with anxiety and impatience! While pretending to work!
    Debt free journey started 30/08/2023:

    CC1 - 5,151.92 now 5,335.15
    CC3 - 4,166.15 now 5,345.28
    CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
    Current outstanding: 16,397.67
    Debt free by Jul 2027.

    Challenges:
    NSD Apr 2025 - 7/20
    NST Apr 2025 - 
    #31 1p savings 2025 £32.40/£667.95
    2025 Fashion on the ration - Coupons remaining 43.5/66
  • I had no idea it was this complicated I thought it just happened! Any idea what the hold up is? 
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    My solicitor this morning said that they were only waiting for Saffron to confirm release of funds, which they have requested last week! I suppose it's the usual slowness from Saffron side? Or maybe my solicitor has been busy with completions? I wait until 16:30 then I'll give her a nudge, although I feel bad as I know she's on it because she replied immediately this morning!
    Debt free journey started 30/08/2023:

    CC1 - 5,151.92 now 5,335.15
    CC3 - 4,166.15 now 5,345.28
    CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
    Current outstanding: 16,397.67
    Debt free by Jul 2027.

    Challenges:
    NSD Apr 2025 - 7/20
    NST Apr 2025 - 
    #31 1p savings 2025 £32.40/£667.95
    2025 Fashion on the ration - Coupons remaining 43.5/66
  • Hope you had good news and the exchange was done?! 🤞
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