FTB NatWest timeline anyone?

bell2020

ACG said:

Leeds wont take the FTC income into account - im not sure whether it would stack up without that though. 
I dont know about skipton or Halifax' stance on that. 

She’s just come back to me to say she’s still on hold but co-op and hsbc are the next two she’s looking at 🤷🏻‍♀️🙏🙏

T1993x

 Just jumping on this thread! I also have a 5yo satisfied mail order default, and after submitting full app got declined by Leeds BS after several days similar to yourself. We are now going through Kensington as quite frankly, we don’t want to lose the property and would rather just go with a lender that is more lenient and likely to accept us than trying multiple others and being declined. The interest rate isn’t all that much more than the Leeds one. 

Just keeping everything crossed now!
let me know how you get on! X

bell2020

T1993x said:

 Just jumping on this thread! I also have a 5yo satisfied mail order default, and after submitting full app got declined by Leeds BS after several days similar to yourself. We are now going through Kensington as quite frankly, we don’t want to lose the property and would rather just go with a lender that is more lenient and likely to accept us than trying multiple others and being declined. The interest rate isn’t all that much more than the Leeds one. 

Just keeping everything crossed now!
let me know how you get on! X

Frustrating isn’t it. We’re against the clock too and don’t want to lose our property. The house we live in has just sold too. 

Broker is suggesting hsbc but I don’t feel like we meet criteria. I’ve lost all hope and confidence if if im honest. I’ve gone through criteria of every lender I’ve found! I’ll have a look again at Kensington. 

I feel like Halifax is a good option for us as they’ll consider my fixed term contract too. I also was tempted to go direct to Lloyds and speak to them. I think I’ll do anything at this point 😂😂

good luck!! 

T1993x

How did you get on? 

bell2020

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

T1993x

bell2020 said:

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

Oh that’s so frustrating! Skipton offered us a good amount on affordability but wouldn’t accept my 5yo default! But if it’s not in your partners name then fingers crossed!

Nothing to update…app submitted Thursday…came back immediately with additional document requests and to sign declaration etc, sent back Friday morning and silence since! Losing sleep over it! 

bell2020

T1993x said:

bell2020 said:

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

Oh that’s so frustrating! Skipton offered us a good amount on affordability but wouldn’t accept my 5yo default! But if it’s not in your partners name then fingers crossed!

Nothing to update…app submitted Thursday…came back immediately with additional document requests and to sign declaration etc, sent back Friday morning and silence since! Losing sleep over it! 

Is your default settled? That’s frustrating. We have a mortgage application gone in today with Leeds building society. Going to be like you now & not sleep a wink until we hear 😩

T1993x

bell2020 said:

T1993x said:

bell2020 said:

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

Oh that’s so frustrating! Skipton offered us a good amount on affordability but wouldn’t accept my 5yo default! But if it’s not in your partners name then fingers crossed!

Nothing to update…app submitted Thursday…came back immediately with additional document requests and to sign declaration etc, sent back Friday morning and silence since! Losing sleep over it! 

Is your default settled? That’s frustrating. We have a mortgage application gone in today with Leeds building society. Going to be like you now & not sleep a wink until we hear 😩

Yes it is now settled but only at the beginning of this year when starting to look at mortgages. It was only £180. Oh fingers crossed for you! Leeds gave us a high DIP amount as they offered the higher income multiples but then declined us a couple days after our full app went In. From what I can gather we passed credit and affordability but had a very picky underwriter and were just unlucky I think! 

bell2020

T1993x said:

bell2020 said:

T1993x said:

bell2020 said:

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

Oh that’s so frustrating! Skipton offered us a good amount on affordability but wouldn’t accept my 5yo default! But if it’s not in your partners name then fingers crossed!

Nothing to update…app submitted Thursday…came back immediately with additional document requests and to sign declaration etc, sent back Friday morning and silence since! Losing sleep over it! 

Is your default settled? That’s frustrating. We have a mortgage application gone in today with Leeds building society. Going to be like you now & not sleep a wink until we hear 😩

Yes it is now settled but only at the beginning of this year when starting to look at mortgages. It was only £180. Oh fingers crossed for you! Leeds gave us a high DIP amount as they offered the higher income multiples but then declined us a couple days after our full app went In. From what I can gather we passed credit and affordability but had a very picky underwriter and were just unlucky I think! 

We’ve been asked for different documents and asked random questions already. They’ve done a hard search and soft search on our credit files. They seem very thorough. They’re doing more than what NatWest did though so I’m taking that as a positive. 

Have you still not heard anything? 

T1993x

bell2020 said:

T1993x said:

bell2020 said:

T1993x said:

bell2020 said:

T1993x said:

How did you get on? 

Still nothing!! Now trying to secure a lender that we meet affordability on, just on my husbands wage. No lender will take my wage into account. So frustrating. 

Broker is resourcing skipton, Leeds & virgin tomorrow and then narrowing it down. 

I’m getting so impatient and frustrated. Estate agents keep chasing me and so do the solicitors. 

How are you getting on? Any joy with Kensington? 

Oh that’s so frustrating! Skipton offered us a good amount on affordability but wouldn’t accept my 5yo default! But if it’s not in your partners name then fingers crossed!

Nothing to update…app submitted Thursday…came back immediately with additional document requests and to sign declaration etc, sent back Friday morning and silence since! Losing sleep over it! 

Is your default settled? That’s frustrating. We have a mortgage application gone in today with Leeds building society. Going to be like you now & not sleep a wink until we hear 😩

Yes it is now settled but only at the beginning of this year when starting to look at mortgages. It was only £180. Oh fingers crossed for you! Leeds gave us a high DIP amount as they offered the higher income multiples but then declined us a couple days after our full app went In. From what I can gather we passed credit and affordability but had a very picky underwriter and were just unlucky I think! 

We’ve been asked for different documents and asked random questions already. They’ve done a hard search and soft search on our credit files. They seem very thorough. They’re doing more than what NatWest did though so I’m taking that as a positive. 

Have you still not heard anything? 

Fingers crossed for you! We had a lot of questions from them and they declined us the day after so if they haven’t yet I’d take that as a bonus!

We’ve had another small handful of things from Kensington, and I had to write a letter as I’m on Mat leave currently so that’s understandable.
valuation has been instructed but there was no date booked as of Friday, hoping we will hear more this week! It’s been over a week and haven’t been declined so again taking it as a positive; broker has said Kensington ask a lot of questions but like to get there in the end so fingers crossed!