Anyone want to join me? Awaiting Mortgage decision...

liviboy wrote: »

Update:

09/06/18 - Viewed property - verbal offer made.
10/06/18 - Decision in Principle received.
11/06/18 - Formal offer made - offer accepted in principle. Estate agent instructed on the marketing and sale of our house.
13/06/18 - Estate agent measured our property, home report instructed and a few other bits and pieces. Negotiation with solicitor regarding included items in sale of new property.
14/06/18 - Full mortgage application made (Nationwide). Home report and survey carried out on my current house. Documents requested from Nationwide: Last payslip and proof of wife's bonus - both submitted electronically. Valuation booked for 15/06/18.
15/06/18 - Valuation received and under review.
18/06/18 - Application "passed for full assessment". Guessing it's just a waiting game now?
20/06/18 - 2 Decision in Principle - Decline notifications on the tracker - called up and they are questioning items on both my and my wife's payslips. Info provided over the phone and e-mailed in April's payslip.
21/06/18 - Called Nationwide to check if any further info required. Told no at the moment but documents would only be reviewed after Tuesday..another long weekend wait!!! Certainly not as smooth as 2014 when we were FTBs!!
27/06/18 - Verbal offer made on our current property - accepted.
28/06/19 - Written offer received.
28/06/18 - Another Decline - called up and got it all figured out...full story here: https://forums.moneysavingexpert.com/showpost.php?p=74469916&postcount=6
28/06/18 - Decision in Principle - Accept, Offer Generated!

Not as smooth as 2014 by any stretch of the imagination but we got there in the end!

Date of entry is mid August so fingers crossed everything goes nice and smoothly.

Slick88 wrote: »

03/02 - AIP with Natwest
12/2 - Appointment with independant MA to look at available options
14/2 - First and Second viewing of a property new to the market that day!
14/2 - First offer rejected (it was a very cheeky offer
15/2 - Second offer rejected
17/2 - Third and final offer accepted
22/2 - Began to instruct Solicitors
23/2 - AIP with MA for TSB accepted and full application submitted
26/2 - Full application received by TSB - Credit check appears on file - Survey money taken
26/2 - MA puts survey on hold until Application process has moved forward.
5/3 - More documents requested and alteration to Gift declaration (make sure if your getting a gift and a joint applicant both your names are on the gift statement!)
5/3 - Documents returned same day - MA passess info across and tells us survey should be instructed week of 12/3
13/3 - emailed MA yesterday for an update yesterday and patiently waiting for a reply
14/3 - MA informed us he had instructed the Survey.
19/3 - Phoned MA for an update to be informed TSB have a back log due to new products making them a 'victim of their own success'.
21/3 Surveyors made contact in order to sign off the survey instruction and to provide email address..
29/3 - Homebuyers survey takes place
30/3 - Report received.
3/4 - Phoned MA to see abotu application. MA informs me they needed the whole sheet of my CC statement not jsut the first page. not that it makes the blindest bit of difference!
5/4 - Searches come throguh from solicitor and we take advisement on issues rising from both the searches and the survey.
5/4 - Decision made to withdraw offer due to structural problems.
7/4 - Offer made on a new property - Rejected
7/4 - Second and final offer made
9/4 - Offer accepted
9/4 - Phoned MA to advise of new property who tells me he didnt recieve the CC statement (even thoguh its in sentbox...) CC resent. New Address given. Money for Valuation taken.
9/4 - Solicitors instructed on new property and they realyl hit the ground running! Highly recommend LPL Conveyancing.
10/4 - Text from Quest to inform valuation had been instructed (different company from the last one)

And now th waiting game continues. My once beautiful hair is now littered with white and silver!

23/4 Phone call from EA to say that the survey still hadnt been booked and Vendor is contemplating putting it back on the market.

23/4 PHone MA to find out what the hell is going on. After some very angry phone calls and emails it turns out TSB had been phoning the wrong number for A WHOLE WEEK to book the survey and hadnt informed us of any issues.

24/4 MA Phones TSB to book valuation with new number. Valuation booked same day.
25/4 Valuation booked for 1/5


ANNNNNNNDDDD the saga continues....

4/5 - Phonecall from the MA to say that TSB had the valuation but want a Damp & Timber survey as well as a Wall Ties survey... even though it had come in at value exactly as it is and it was only an advisory :(:(

4/5 - Phoned EA to inform them these were needed, they have a preferred contractor they use with no upfront costs so they went about arranging that for us...
8/5 - Visit to the property to measure up and see it empty. It looks a lot roomier without the Tenants stuff in! EA advised us she'd spoken to the contractor and they would be coming on 9/5 to do the survey.
8/5 - Phone cal lfrom MA to advise he is on holiday for 2 weeks as of 14/5 so hoping we can get this all wrapped up before hand... We are now on week 11 of the mortgage application I believe.

AVOID TSB LIKE THE PLAGUE!