Aldermore - Process

JMcc123

CLJ2986 said:

JMcc123 said:

Yeah the bank holiday delays wont be helping! it's good she's given you a timescale though, hopefully that will help ease your nerves a little bit!
I've not had my offer through the post yet, but it expires 29/06/21, so we should be moving earlier than expected, but I'm still waiting to hear back from the Estate Agents about whether the seller has found anywhere to move to yet.. then it's pack, pack pack! x

Oh the second we get an offer I'll be packing anything we don't need lol there's no chain here so should be super quick! It'll be so nice to be able to decorate!! We're in a rental and not allowed here. Just so hoping we get this house, it's perfect and we really need to move 🤞🤞

Tbh, I've packed 2 boxes already and sorted two boxes of my sons toys that he no longer plays with, but seems to be SO much more to do! Little one is with his dad Saturday night, so I'm hoping to get a big chunk done then!
The EA got back to me, and the vendor is going to rent when we have a date, so I'm hoping for mid June, although we are away for a week at the end of June/early July, so need to pick my dates carefully! 
We've been really lucky being able to decorate here, but it will be so nice to make your house a home! Especially for your little one x

CLJ2986

Haha for all 5 of them! It's a busy household lol but yeah we are so desperate to move. I've heard back from broker, and had to resend the direct debit forms. Guessing due to the date of them vs my new application date 😳

JMcc123

CLJ2986 said:

Haha for all 5 of them! It's a busy household lol but yeah we are so desperate to move. I've heard back from broker, and had to resend the direct debit forms. Guessing due to the date of them vs my new application date 😳

Oh gosh, definitely then! They'll love being able to make things their own! The only thing my son is bothered about is whether we can have a green front door or not :') hah
I would see that as positive as well then! Have they not requested anything else? Seems like you've made progress with the broker updating you as well  
From the contract my broker has sent over I will have another DD to return to them too x

CLJ2986

Yeah hopefully, we have a different assistant dealing with it as well so hopefully things won't slip through the cracks this time. I'll give it til Friday now and email for another check before the weekend I think. Can you have a green front door though?? Lol bless him

JMcc123

CLJ2986 said:

Yeah hopefully, we have a different assistant dealing with it as well so hopefully things won't slip through the cracks this time. I'll give it til Friday now and email for another check before the weekend I think. Can you have a green front door though?? Lol bless him

Fingers crossed 🤞 if not I would copy the actual broker into every email for reference! Friday seems fair!
Haha Green paint is now on my list of new things to buy for the house 🤣 he's more excited about that than the converted attic being a huge play room!  X

CLJ2986

Nothing to report today, I've been very well behaved and sent no emails 🤣 it's 6 days now to underwrite apparently so just waiting again 😳

JMcc123

🤣🤣 clock watching til Friday now I guess!
I've had to resend everything to my solicitor as he hadn't received what I sent last week, I'll be emailing Friday to see how long the searches tend to take 🙈 x 

CLJ2986

JMcc123 said:

🤣🤣 clock watching til Friday now I guess!
I've had to resend everything to my solicitor as he hadn't received what I sent last week, I'll be emailing Friday to see how long the searches tend to take 🙈 x 

I think searches vary massively depending on area but I could be wrong. I remember it took six months from receiving an offer on our old place to moving house when we were part of a chain. I was hoping being chain free would mean its faster this time bit I didn't bank on the mortgage application taking so long lol I thought that would be quite straightforward. 6 weeks later and we're on the 2nd application with an adverse lender 🤣

JMcc123

CLJ2986 said:

JMcc123 said:

🤣🤣 clock watching til Friday now I guess!
I've had to resend everything to my solicitor as he hadn't received what I sent last week, I'll be emailing Friday to see how long the searches tend to take 🙈 x 

I think searches vary massively depending on area but I could be wrong. I remember it took six months from receiving an offer on our old place to moving house when we were part of a chain. I was hoping being chain free would mean its faster this time bit I didn't bank on the mortgage application taking so long lol I thought that would be quite straightforward. 6 weeks later and we're on the 2nd application with an adverse lender 🤣

Yeah, that's what I've read so I'll be emailing today - just so i can get an idea and pre warn my boss when I'll be off etc.

Oh gosh, 6 weeks of torture at that! I was thinking about the mat leave element, I'm sure you'll be fine you know, if I've been accepted on my own on a very average salary at least you have 2 incomes etc., but outgoings may differ. my main outgoing is childcare, they've just increased it £60 p/m as well, so I'm looking to move sooner than planned! 

CLJ2986

Hopefully, I've submitted a letter from my employed stating I return in August on my previous salary so can't see an issue really with their side. I keep reading other stories and I honestly can't even see how my credit rating is that terrible either but I can't get my hopes up 🤣

Did they give you an idea of times?