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Anyone want to join me? Awaiting Mortgage decision...
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Hey everybody. We're in the process of buying. We have our mortgage offer and the solictors are doing their thing, but I have a question about the house insurance? At what point should I go about getting it? I mean obviously things could fall apart before exchanging, but I want the insurance to start after we exchange... Don't have any insurance right now (renting) so wondering how to manage the timeline?0
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I’m so nervous like the majority of you. AIP - 15/5
Full application - 15/5
Credit Hard check on file on 15/5
Valuation report requested -16/5
Valuation received -16/5 (above our offer)
16/5 Assessment still hast been ticked off on tracker so I don’t know if they have underwrote it yet.
Does anyone know if RBS do valuation first or after underwriting?
So worried0 -
Impressed with the speed of NatWest:
04/05 - Applied via phone
08/05 - Assessed by underwriters and valuation booked
16/05 - Valued and offer received
17/05 - Homebuyers report received0 -
1/4/2019 – Viewed House
24/4/2019 – House on Market
1/5/2019 – House Viewing
6/5/2019 – Sold
7/5/2019 – AIP Obtained
8/5/2019 – Offer accepted on house/ Solicitor instructed
11/5/2019 – Full Mortgage AppCredit score slowly improving!0 -
04/05 - Viewed house & made verbal offer to the estate agent. Told we wouldn’t hear back until Tuesday because of the bank holiday.
06/05 - Mortgage Advisor gets AIP from Digital Mortgages. (We previously had an AIP from our Bank)
06/05 - View an newer Build in our area just to be sure it wasn’t for us. Wasn’t for us thankfully.
07/05 - Verbal offer on first house accepted.
08/05 - Solicitor instructed
09/05 - Solicitor sent our written offer.
10/05 - Mortgage Application submitted.
**UPDATE**
14/05 - Valuation booked - I queried why there was a valuation, MA confirmed it was because Home Report was more than a year old - turns out this was a typo on the HR, our solicitor asks surveyor for an amended copy.
15/05 - amended copy of Home Report received and issued to Digital Mortgages via broker.
16/05 - text Digital Mortgages to say Home Report received & they’ll look at it then get back to us
17/05 - Mortgage Offer received!
Cannot thank the Mortgage Advice Bureau who have done all the leg work for us & have so far been great to us & always there to answer any questions.
Now the legal side & insurances to sort out.
We get our keys on 28tj of June
Good luck to anyone still waiting.0 -
Got my offer in !!! Thrilled0
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18/5 - Offer accepted.
20/5 - Application submitted via broker.
Fingers crossed for some positive news!0 -
Day 10, i'm working on a no news is good news mantra.
Credit score slowly improving!0 -
Meant to post on this earlier!
7th May DIP
10th May Reservation Fee Paid
13th May Application Submitted
14th May Documents Requested - Valuation Requested
16th May Valuation
20th May Mortgage Offered!!!
Something I never thought would be possible but with the help of a excellent mortgage broker we got a decent deal!
Over the moon!0
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