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Why NatWest ask same documents multiple times?

I am so worried that I can’t afford to buy the house if I miss the stamp duty holiday. We have a great solicitor, he got everything really for us to complete in June. But ...we still haven’t received any mortgage offers....We bought life time mortgage and paid everything in advance as we trust the MB at the beginning.

He helped us submit NatWest remortgage on 14 of May, and NatWest keeps asking to submit same documents 3 times so far, and we still have no offer. 

MB said he has done everything he could to push it through... Is there anything I can do apart from chasing him?  Can MB accelerate applications? He always say 24 hours we’ll have an answer and so many 24 hours have passed, we still have no offer... 

He also told us Hsbc reduce 100k compared to API we got, anyone know how long will it take to issue an offer after change the borrow amount from Hsbc?

Comments

  • K_S
    K_S Posts: 6,874 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    @tracy_l NatWest has been pretty quick to turnaround underwriting queries and responses over the past 2 months.

    What document are they repeatedly asking for? Is there anything non-standard about the case?

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • tracy_l
    tracy_l Posts: 24 Forumite
    10 Posts Name Dropper
    K_S said:
    @tracy_l NatWest has been pretty quick to turnaround underwriting queries and responses over the past 2 months.

    What document are they repeatedly asking for? Is there anything non-standard about the case?
    They asked for sa302 3 times so far. I am worried there’s some miscommunication cause the delay. But MB said it’s with underwriting and we’ll have an answer soon...but this is not the first time he has said that. 
  • K_S
    K_S Posts: 6,874 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 22 June 2021 at 8:20PM
    tracy_l said:
    K_S said:
    @tracy_l NatWest has been pretty quick to turnaround underwriting queries and responses over the past 2 months.

    What document are they repeatedly asking for? Is there anything non-standard about the case?
    They asked for sa302 3 times so far. I am worried there’s some miscommunication cause the delay. But MB said it’s with underwriting and we’ll have an answer soon...but this is not the first time he has said that. 
    @tracy_l That is odd if you have supplied the exact same SA302 three times, it doesn't make a lot of sense.
    Is it both the years or just the latest one they are repeatedly asking for? Have they not given any indication of why they aren't happy with what you supplied? Do the numbers on the SA302 match the Tax Year Overview?

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • K_S
    K_S Posts: 6,874 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    @tracy_l It's hard to guess what's going on and I don't want to second guess your broker.
    But if the lender rejected something I supplied once, I'd pick up the phone and talk to NatWest to see what exactly the issue is.

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • tracy_l
    tracy_l Posts: 24 Forumite
    10 Posts Name Dropper
    @K_S MD told us NatWest have all the documents they needed.And my surname was wrong when submit application, but Md said it will correct when come to offer, really don’t know what delayed the whole process.Is it best for me to chase MB or contact leader myself?
  • ACG
    ACG Posts: 24,468 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I agree with KS, if a lender asks for something I supply it and they come back and ask for the same document, the first thing I would do is pick up the phone - not send the exact same thing again.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • tracy_l
    tracy_l Posts: 24 Forumite
    10 Posts Name Dropper
    Thank you @K_S & @ACG

    What should I do now 😭 MD said it’s all fine but I doubt it and I feel there’s something wrong and will cause the delay... also the broker amended our borrow amount from HSBC, how soon can we receive an offer? Is it 24 hours? 
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