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Page 329
    • TAWBristol
    • By TAWBristol 19th Apr 17, 10:36 PM
    • 10 Posts
    • 5 Thanks
    I've been watching this thread and can finally put my timeline in :-)

    20/03 - DIP done through online broker ( for potential house our offer wasn't accepted on)
    08/04 - Viewed new house and offered
    08/04 - Offer accepted
    10/04 - Full application with Natwest sent via broker.
    11/04 - Valuation booked for 18th
    13/04 - Application approved subject to valuation
    18/04 - Valuation
    19/04 - Full mortgage offer received!!!! :-)

    Considering we've had Easter in the middle of this, I've had such a quick turnaround and am now beginning to get excited!!!!
    9 days from application to offer, even with a long bank holiday weekend - amazing!
    Last edited by TAWBristol; 19-04-2017 at 11:03 PM. Reason: addition to text
    • Lauralou79
    • By Lauralou79 20th Apr 17, 4:55 AM
    • 191 Posts
    • 174 Thanks
    We are awaiting our valuation with Natwest but considering it was Easter for 4 days after our application ( thurs 13th) they
    approved it subject to valuation by the Tuesday afternoon! Brilliant from Natwest
    Let's hope it carries on so smoothy
    • BLOW FLY
    • By BLOW FLY 20th Apr 17, 7:45 AM
    • 113 Posts
    • 85 Thanks
    Valuation and product fee taken by Halifax yesterday, two hours later the valuation surveyor called and is booked for this Friday.

    Our MA said everything now is on automatic referral straight back to underwriters as only question / issue they have left outstanding is valuation survey before they sign it off.

    • Sahmed660
    • By Sahmed660 20th Apr 17, 1:36 PM
    • 44 Posts
    • 4 Thanks
    Completion date for me tomorrow. Very excited but a bit nervous still hah
    • KTaneva
    • By KTaneva 21st Apr 17, 6:48 PM
    • 22 Posts
    • 4 Thanks
    Wow sahmed good luck and don't forget to write when you take the keys !
    My completion scheduled for 28th April .
    Still nervous a bit same as u !
    • Sahmed660
    • By Sahmed660 21st Apr 17, 8:37 PM
    • 44 Posts
    • 4 Thanks
    Wow sahmed good luck and don't forget to write when you take the keys !
    My completion scheduled for 28th April .
    Still nervous a bit same as u !
    Originally posted by KTaneva
    Got the keys today. Got a phone call from lawyer at 9.30am then TW called at about 10.30am to say we could come and get the keys

    Big smile on my face all day. First time buyer so huge life event
    • Nikkinakkinoo2017
    • By Nikkinakkinoo2017 21st Apr 17, 9:50 PM
    • 56 Posts
    • 117 Thanks
    Sahmed happy new home
    • BLOW FLY
    • By BLOW FLY 22nd Apr 17, 10:38 AM
    • 113 Posts
    • 85 Thanks
    Valuation surveyor from Halifax came round yesterday afternoon.

    Formal mortgage offer from Halifax issued this morning 10am. !!!55357;!!!56882;!!!55356;!!!57214;!!!55357;!!!56832;

    Hopefully should be able to exchange and complete next week....

    • barneydier
    • By barneydier 24th Apr 17, 2:02 PM
    • 4 Posts
    • 1 Thanks
    Nationwide Mortgage Offer
    At last we have an offer, elated
    • hounsehunterftb
    • By hounsehunterftb 24th Apr 17, 3:27 PM
    • 94 Posts
    • 98 Thanks
    We are still awaiting!!!!! :/
    • z.j.c
    • By z.j.c 24th Apr 17, 8:19 PM
    • 35 Posts
    • 5 Thanks
    Bank of Ireland FTB

    Thought I would share my wait with everyone.

    Applied as FTB via broker for mortgage with Bank of Ireland.

    Documents all submitted via broker to BOI on Wednesday last week.

    Valuation was conducted Thursday with the report in my hands Friday. No problems what I could see.

    Now waiting for for the results from BOI. Broker informed today that they only look at cases once they have all the information.

    Was hoping to hear today but no such luck. The waiting is killing me now!

    Fingers crossed for some update tomorrow
    • Peach80
    • By Peach80 24th Apr 17, 9:40 PM
    • 8 Posts
    • 0 Thanks
    Can I join please..
    We seem to have had the longest wait ever.
    Jan 24th reserved property new build and first time buyers. Mortgage agreed in principle by Halifax.. three weeks later declined !!!55357;!!!56865;

    Feb 24th application to TSB after agreement in principle

    March 29th agreed subject to valuation

    April 13th valuation done (back log in this area)

    Now awaiting offer after a computer glitch and problem with the format of the valuation even though it was fine.

    Fingers crossed offer in next 24 hours!!!
    • LuckyG
    • By LuckyG 25th Apr 17, 9:19 AM
    • 150 Posts
    • 234 Thanks
    I'm in the very early stages but I've had a DIP accepted with Nationwide on Friday 21st April.
    We are viewing a house today, so all going well will be putting an offer in. I'm extremely nervous about it all.
    • DavidKP
    • By DavidKP 25th Apr 17, 11:01 AM
    • 14 Posts
    • 1 Thanks
    06/02 - DIP done through broker
    24/02 - Viewed new house and offered
    28/02 - Offer accepted
    03/03 - Full application with Natwest sent via broker.
    07/03 - Valuation booked for 8th
    08/03 - Valuation
    11/03 - Full mortgage offer received thru the post.
    20/04 - Got the keys...

    Mortgage with Natwest didnt have any issues at all.. the online tracker is a massive help. Good luck to everyone.
    • richardflair
    • By richardflair 25th Apr 17, 12:22 PM
    • 21 Posts
    • 5 Thanks
    We submitted our HTB Scotland application via the mortgage broker on 11/04.

    Two weeks later (granted there was a long weekend) and we've still heard nothing. So frustrating!

    Does it usually take this long?
    Last edited by richardflair; 25-04-2017 at 12:23 PM. Reason: Added Scotland
    • midnight_ninja
    • By midnight_ninja 25th Apr 17, 12:32 PM
    • 58 Posts
    • 60 Thanks
    Nationwide Application Scotland
    Here is our timeline so far

    DIP from nationwide 18/4 ( we also have help to buy isa with them)
    Offer on house accepted on 18/4
    Appointment made for the 26/4 for full application

    So excited as we love the house but nervous for full application , worrying i have made mistakes already
    • hounsehunterftb
    • By hounsehunterftb 25th Apr 17, 11:50 PM
    • 94 Posts
    • 98 Thanks
    Hello guys!!
    Finally with regards to the mortgage, suspense is over. We were informed by our mortgage adviser today that the offer has been posted by the lender and should be with us soon.

    Here is my timeline
    - March 13th 2017: Agreement in Principle (Principality Building Society)
    - April 1st 2017: Offer accepted on the house
    - April 5th 2017: Full application made through a broker. Money for valuation deducted from the account
    - April 10th 2017: In queue for the documentation to be assessed and would be done by end of day tomorrow. We will have an update if anything else is required.
    - April 13th 2017: Valuation/House Survey Booked!
    - April 13th 2017: Report received. Homebuyer report to us. Valuation exactly same as our offered price.
    - April 19th 2017: Heard back from the lender. They require two more documents from us. Upon receipt they would be happy to proceed with the "mortgage offer". Yeyyyy fingers crossed still!! though
    - April 25th 2017: Got confirmation from the mortgage adviser about offer being sent. YEYYYY :-)
    - April 28th 2017: Received the documents in the post! (Name title printed incorrectly. They will resend it :/)
    - April 29th 2017: Received the documents in the post with correct name !!

    Still long way to go after that I suppose with the legal procedures! But glad one hurdle is crossed. Waiting to read about the offer!

    All the best you guys! Don't worry its going to be alright :-)
    Last edited by hounsehunterftb; 29-04-2017 at 1:59 PM.
    • kieran91
    • By kieran91 26th Apr 17, 9:37 AM
    • 3 Posts
    • 0 Thanks
    Hi all,

    Thought I would share my experience as a FTB.

    07/04 - Offer accepted on house
    07/04 - Spoke to L&C on the phone
    10/04 - Sent L&C documents including bank statements, payslips and credit reports
    12/04 - Applied for a mortgage with TSB through L&C
    24/04 - Valuation took place
    25/04 - Mortgage offer received

    Process was really painless with L&C and a lot quicker than I anticipated given the fact there was 2 bank holidays in there. L&C collected all our information early on including 1 months of bank statements, latest payslips and credit reports.

    Good luck to everyone else applying and if you have late payments or anything you might think might hinder your chances I would recommend using a broker as takes so much stress out of it.
    • Lu_equi
    • By Lu_equi 26th Apr 17, 10:11 AM
    • 20 Posts
    • 28 Thanks
    Hi All
    I have been reading this thread for a while so thought I would join in ....

    05/04/17 AIP Done and received with a soft check from RBS & Halifax on credit report (Experian)

    *Offer made on property , cannot remember the exact date now seems so long ago!

    *21/04/17 Full Mortgage App done with Halifax through Broker , Hard credit check done straight away (Experian states this check had negative impact on score and lowered my score from 999 to 992 so definitely a hard search.)

    *21/04/17 Valuation/Survey fee taken by Halifax

    Now the waiting begins ..... *Stressful times....*

    Does anyone know if they will do another hard search which will lower my score further?...
    Last edited by Lu_equi; 26-04-2017 at 10:15 AM.
    • emlouwat
    • By emlouwat 27th Apr 17, 6:50 PM
    • 23 Posts
    • 2 Thanks
    Anyone had Santander? Just wondering average times?

    Mortgage application went in last friday
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