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Mortgage Application with Skipton

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  • prab007
    prab007 Posts: 11 Forumite
    Name Dropper First Anniversary First Post
    TheSticklerMan said:
    prab007 said:
    Tiredbutdetermined said:
    Mine was a bit fiddly but it took 8 days to come through after the valuations stage you are at
    @Tiredbutdetermined Did they as reference from your employer? They sent a letter to my employer requesting the confirmation of employment. My HR team have replied them back today.
    Hi, 

    Are you a first time buyer and using a mortgage advisor? Or are you going directly?

    Reason I ask is some people on this site have had a full mortgage offer from Skipton in 4 days when applying through an advisor.


    It was through broker. 
  • prab007
    prab007 Posts: 11 Forumite
    Name Dropper First Anniversary First Post
    TheSticklerMan said:
    Yes agreed from friends who have used Skipton they are normally quite quick. 

    Have you completed on your purchase now and do you know if any further checks were done post offer
    I am still waiting for offer from Skipton. Hopefully should hear something by Monday. It will be 10 working Days from the date of application. I will keep the post updated. 
  • prab007
    prab007 Posts: 11 Forumite
    Name Dropper First Anniversary First Post
    After a painful wait, we have mortgage offer issued today. Very Happy 😊 
  • ACG
    ACG Posts: 24,537 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    92 minutes is my record. 
    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.
  • Tiredbutdetermined
    Tiredbutdetermined Posts: 255 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    prab007 said:
    After a painful wait, we have mortgage offer issued today. Very Happy 😊 
    Massive congratulations 🥳 

    Total Debt May 21 £20,490.44  DEBT FREE DATE 29/7/22 

    Mortgage balance May 21 £177,096.19. Now £146,747.17
    Mortgage free date. At start of sole mortgage = July 2042

    2024 SAVINGS FOCUS - get rid of the car finance. Savings balance/outstanding balance = £11,857.56/£12,706.25
    2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage
  • prab007
    prab007 Posts: 11 Forumite
    Name Dropper First Anniversary First Post
    Just on update. Mortgage with Skipton completed 31/03/23
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