Barclays morgage

haiderali12

Hi everyone, 

Im in middle of a application to barclays, my broker applied on the 5th of june and hard check was done and also a desktop valuation.
I got a email from my broker that barclays have emailed asking for one document, this was on the 8th of june and the document was sent back the same day.
On the email when they asked for the document they said we need this to make our final decision.
The document was to sign and give my solictor details.
My broker said he called barclays today and they said they had received the document now just waiting to make a final decision.
Does all this indicate i will get a offer or am i getting ahead of myself? I have been declined 2 weeks ago from newcastle building society so this is my last chance to get a morgage.
I just hope and pray i don't get rejected again because its one of the worst feelings.     

SeanG79

Why is this the last chance? Both Barclays and Newcastle are prime lenders from what I can tell, there should be near-prime options if this application isnt approved?

haiderali12

Hi its because i've had 2 hard searches and that had impacted on my credit score.

csgohan4

Credit score has no impact on mortgage applications, they neither see it or care, it is the credit history that is more important and their own criteria for scoring your history matters

Wait for the outcome, and fingers crossed

haiderali12

thanks hopefully hear something soon 

lonibra

haiderali12 said:

Hi its because i've had 2 hard searches and that had impacted on my credit score.

I had 3 wasted hard checks in a few weeks (because of a useless MB) and had almost given up before I found my current MB who got me a mortgage first time. So don't worry too much about the hard checks. But hopefully you won't need any more.

haiderali12

thanks for the reply, yh i dont want to worry but just cant help it 😆 yh i hope so too.

haiderali12

  Hi everyone! 

I have just been told by my broker this morning my mortgage offer is in the post!
Im over the moon and it took 9 days from application. Good luck to everyone waiting.