Anyone else submitting applications this week?

rose_T

Hi, 
Anyone else due to submit full applications this week? Would be good to share experience.

after a long 10mths waiting for this property we finally got round to offer stage and it was accepted. Property was going through confirmation ( probate) 

visiting mortgage broker tomorrow to submit full application. We have a AIP with Halifax for 15% but hoping to get 10%. 

We are FTB’s. 

rose_T

Just back from mortgage broker couldn’t get 10% so went with 15% deposit. The application was submitted around a hour or so ago and already had a email notification of a hard search carried out on credit karma. 

I am so nervous property is £100k, deposit £15k so borrowing if accepted £85k our AIP was £140k 

husband in full time employment and I am self employed 

rose_T

Another update for anyone who is wondering 

our mortgage was accepted!!!! 3hrs from leaving broker to returning to him with forms my husband had to sign he hands us our official offer letter! 

This has been such a stressful time I have 1 default that is due to come of in September and around first lockdown the stress of work and homeschooling I forgot to make a payment on my very account in April last year so 1 late payment. 

Jen271626

rose_T said:

Another update for anyone who is wondering 

our mortgage was accepted!!!! 3hrs from leaving broker to returning to him with forms my husband had to sign he hands us our official offer letter! 

This has been such a stressful time I have 1 default that is due to come of in September and around first lockdown the stress of work and homeschooling I forgot to make a payment on my very account in April last year so 1 late payment. 

Wow that's amazing congrats, who was that with?

rose_T

Thank you! I am over the Moon! 

It was 15% deposit with Halifax 

EmzJenks

Blimey that was quick! Congrats!