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Mortgage approval soon? Credit file change...

I've posted on here before about the timeline of our mortgage application. 

We applied on 13/2/23
Survey was done on 14/2/23
Valuation text 14/2/23 but no date confirmed on it.
Hard search on both our credit files.
Nationwide requested work contracts on 17/2/23.

3/3/23 I call MA and she falls Nationwide and they advise that house is valued £15k less than offer price. (Not a concern as it's a gifted equity mortgage-buying from family).

 Valuation and offer were due today but we've had nothing from Nationwide.

I got a notification from Equifax to say they have added a financial association today, my partner.

We have applied jointly and had our hard searches done.

Would this link be a sign that the mortgage has been approved?


Comments

  • ACG
    ACG Posts: 24,952 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    No, it just shows you have applied for something with someone else. 

    But I am sure you will be fine. If the valuation had come back ok, I reckon you would have an offer now. So if everyone is in agreement on the valuation (ie you and the seller), it should just be a formality. 
    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.
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