Precise Mortgages - how long from application to offer?

edited 30 November -1 at 1:00AM in Mortgages & Endowments
1.9K replies 269.7K views
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  • MelandpaulMelandpaul Forumite
    58 Posts
    10 Posts
    So my credit has jumped now to good on experian and fair on equifax.. these was both very poor few months ago.. feel I've so much more of a chance.. partners is still higher than mine.. our debts down.. I'm getting excited now but I know I shouldn't as they can be hard work. These new bank statements need to hurry up seeing your success stories is making me feel so much at ease. 
  • pantheamoonpantheamoon Forumite
    35 Posts
    10 Posts
    Back to waiting the 3 working days for them to check everything.  I cannot wait until I can shout from the rooftops, "mortgage offer!"  I hope x
  • Awil31Awil31 Forumite
    11 Posts
    10 Posts
    Our application is getting submit today or has been already. The only thing concerning the MA is an seiss grant but we have our deposit without it so he said they should be fine just explain it's not part of the deposit. What time frame have people had from full application to offer?

    We're thinking we're not likely to get the full mortgage offer which would be cruel given we've been given a DIP. 
  • MelandpaulMelandpaul Forumite
    58 Posts
    10 Posts
    Awil31 said:
    Our application is getting submit today or has been already. The only thing concerning the MA is an seiss grant but we have our deposit without it so he said they should be fine just explain it's not part of the deposit. What time frame have people had from full application to offer?

    We're thinking we're not likely to get the full mortgage offer which would be cruel given we've been given a DIP. 
    They been taking between 2 weeks and couple of months but average seems to be 3-4 weeks...I've been stalking this for few months waiting on bank statements to be clean.. start my application in couple of weeks.. finally 😊
  • helzybhelzyb Forumite
    85 Posts
    Sixth Anniversary 10 Posts Combo Breaker
    Hi
    Just wondering how everyone’s getting along. I’m still waiting for the solicitors to receive mortgage offer and council searches. We’ve just had the water and drainage one back.

    Anyone nearing exchange?

    Dord anyone know how soon after completion the first payment will be due?

    Hope things are going smoothly for everyone x

    Good  luck to all of you with applications in x 
  • KLHughesKLHughes Forumite
    68 Posts
    10 Posts Name Dropper
    Hey, so i’m just signing the ‘acceptance of mortgage offer’ letter Precise have sent but I’m not sure whether to date it? Whats everyone else done? It says on one of the other bits of paperwork that came not to date it, but then on the actual acceptance letter it doesn’t mention about not signing it. Currently on hold to precise, they first said dont date, now they are saying check with solicitors 🤦‍♀️
  • Masrat1Masrat1 Forumite
    7 Posts
    Name Dropper First Post
    Hi,
    We are just submitting an offer through our broker today hopefully. They are hopeful and we have had a DIP and reserved a flat using it. We now have our ATP so I guess it's just the wait. What would be the earliest stage we would know if we won't get an offer? We are completely new to all this and my partner is worried due to her credit history.
  • helzybhelzyb Forumite
    85 Posts
    Sixth Anniversary 10 Posts Combo Breaker
    KLHughes said:
    Hey, so i’m just signing the ‘acceptance of mortgage offer’ letter Precise have sent but I’m not sure whether to date it? Whats everyone else done? It says on one of the other bits of paperwork that came not to date it, but then on the actual acceptance letter it doesn’t mention about not signing it. Currently on hold to precise, they first said dont date, now they are saying check with solicitors 🤦‍♀️
    That’s rubbish that they don’t know x let me know the outcome x 

    when did you receive the papers I’m a few days behind you x

    Are you still hoping to complete this month x 
  • angievagaangievaga Forumite
    29 Posts
    10 Posts Name Dropper
    KLHughes said:
    Hey, so i’m just signing the ‘acceptance of mortgage offer’ letter Precise have sent but I’m not sure whether to date it? Whats everyone else done? It says on one of the other bits of paperwork that came not to date it, but then on the actual acceptance letter it doesn’t mention about not signing it. Currently on hold to precise, they first said dont date, now they are saying check with solicitors 🤦‍♀️
    We signed and dated ours and sent back on Tuesday. I think the undated part was in relation to the title deeds which comes from solicitor. 
    We too are waiting on local searches but should be back any day now. 
    Move date for us is 28th June xx
  • KLHughesKLHughes Forumite
    68 Posts
    10 Posts Name Dropper
    angievaga said:
    KLHughes said:
    Hey, so i’m just signing the ‘acceptance of mortgage offer’ letter Precise have sent but I’m not sure whether to date it? Whats everyone else done? It says on one of the other bits of paperwork that came not to date it, but then on the actual acceptance letter it doesn’t mention about not signing it. Currently on hold to precise, they first said dont date, now they are saying check with solicitors 🤦‍♀️
    We signed and dated ours and sent back on Tuesday. I think the undated part was in relation to the title deeds which comes from solicitor. 
    We too are waiting on local searches but should be back any day now. 
    Move date for us is 28th June xx
    Im really confused because i’m getting different answers from everyone 🙈 Precise have now said dont date it just sign it, then changed their mind and send dont send it back until completion 🤷‍♀️🤦‍♀️broker said send it straight back, then solicitors wont answer the phone. I should have exchanged by 31st may😩
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