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Santander mortgage process

candycain
candycain Posts: 18 Forumite
10 Posts Name Dropper
edited 11 January 2023 at 10:21AM in Mortgages & endowments
Hello, here is my time line:
Thursday - DIP 
Friday - mortgage app submitted, no docs requested and auto verified income completed. Santander confirmed receipt of my valuation
Monday - Valuation instruction for Friday 12th Jan (visit one) and 1 payslip requested

Can anyone tell me about their experience and whether my application will go through an under writer now or after the valuation? 
On Santander website it shows the process as valuation is the last thing they do before offer. 

Comments

  • MovingForwards
    MovingForwards Posts: 17,178 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    candycain said:
    Hello, here is my time line:
    Thursday - DIP 
    Friday - mortgage app submitted, no docs requested and auto verified income completed. Santander confirmed receipt of my valuation
    Monday - Valuation instruction for Friday 12th Jan (visit one) and 1 payslip requested

    Can anyone tell me about their experience and whether my application will go through an under writer now or after the valuation? 
    On Santander website it shows the process as valuation is the last thing they do before offer. 

    You need to ask on the mortgage board:
    https://forums.moneysavingexpert.com/categories/mortgages-homes
    Mortgage started 2020, aiming to clear 31/12/2029.
  • candycain said:
    Hello, here is my time line:
    Thursday - DIP 
    Friday - mortgage app submitted, no docs requested and auto verified income completed. Santander confirmed receipt of my valuation
    Monday - Valuation instruction for Friday 12th Jan (visit one) and 1 payslip requested

    Can anyone tell me about their experience and whether my application will go through an under writer now or after the valuation? 
    On Santander website it shows the process as valuation is the last thing they do before offer. 

    You need to ask on the mortgage board:
    https://forums.moneysavingexpert.com/categories/mortgages-homes
    I have but no one replies :( 
  • I’m applying to Santander directly via telephone call. If they have decided to progress my application to underwriting, does it mean they are confident that my application is likely (not guaranteed of course) to succeed?
  • Hi, it means your application is going through a process, let's see what the underwriters ask you for.
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