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    • srik
    • By srik 4th Jul 18, 1:21 PM
    • 7 Posts
    • 3 Thanks
    srik
    Our Time line with Clydesdale
    Our Time Line- Lender: Clydesdale
    Application made by Broker: 18/06/2018
    Valuation Instructed on: 20/06/2018
    Valuation Booked on: 21/06/2018
    Valuation Date: 27/06/2018
    Verbal Confirmation of Satisfactory Valuation: 29/06/2018
    Telephone Call from Broker to advice that file passed to underwriter: 02/07/2017
    Hard Credit Check on Experian- 02/07/2018
    Phone Call from Broker advising underwriter requesting additional documentation-05/07/2018
    Additional Documents submitted-05/07/2018
    Recevied Email and Phone call from Broker to advice application approved-09/07/2018
    Last edited by srik; 09-07-2018 at 2:23 PM. Reason: Update
    • Slick88
    • By Slick88 4th Jul 18, 1:52 PM
    • 28 Posts
    • 3 Thanks
    Slick88
    So after all this time...
    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!
    Originally posted by Slick88
    In the weeks that followed the above fiasco we ended up paying for an independent damp and timber report as well only for the sale to fall through as the buyer decided to put it back on the market due to how long everything was taking... cant say I particularly blame him.

    So after losing more money me and the OH had a chat and decided to sell some assets and up our budget. Our new timeline looks like this...

    8/6 - viewed a house in a beautiful area that would work very well as a family home.
    8/6 - Spoke to MA to confirm budget
    9/6 - First offer rejected
    11/6 - Second offer accepted
    19/6 - Full application placed with Santander
    20/6 - Text message to say Mortgage approved Subject to valuation
    3/7 - Valuation takes place
    3/7 - text message stating mortgage offer is in the post!

    I cant believe how much easier Santander had been to deal with then TSB, cant recommend them highly enough!
    • KingMob
    • By KingMob 5th Jul 18, 9:42 PM
    • 39 Posts
    • 7 Thanks
    KingMob
    Couldn't find much info about Danske bank, some details which hopefully be useful to someone in future.

    FTB, no chain, using independent broker, 20% deposit and easily affordable/no surprises on credit checks. Wasn't a Danske customer.

    * Application made start of June and valuation fee taken. Provided 3 months bank statements and other requested documentation. Experian shows 2 searches "Mortgage Quotation" and "Identification: Generic Check"
    * 3 weeks later told underwriter had approved and valuation instructed for 3rd week. Strangely a few hours later was asked for June payslip and some queries about large lodgments 3 months prior.
    * 4th week - valuation on Monday, offer acknowledge to broker on Friday, received in mail on following Tuesday. Experian shows another search "Enquiry" just prior to offer.

    Offer signed and returned yesterday, received details of Danske account used for mortgage payments today.

    Couple of things that surprised me, all updates/notifications prior to offer made to mortgage advisor (no direct contact) and didn't receive valuation report (advisor seemed to think would be included with offer). Also led to believe that solicitor would not be informed until I had signed and received offer (unsure if this is typical).
    • London2018
    • By London2018 6th Jul 18, 10:34 AM
    • 14 Posts
    • 3 Thanks
    London2018
    Kent Reliance
    Hi all,

    We are currently applying for a mortgage with Kent Reliance through a MB. Timeframe so far-

    Fri 29th June- DIP
    Mon 2nd July- credit search recorded on Equifax
    Tues 3rd / Wed 4th July- Their system was down!
    Thursday 5th July - Full application submitted and survey booked for Wed 11th July

    Does anyone have any experience with regards to how long the app takes with the underwriter etc?

    Thanks
    • HollyJade4
    • By HollyJade4 9th Jul 18, 12:03 PM
    • 3 Posts
    • 1 Thanks
    HollyJade4
    Sainsbury Mortgage
    Hello,

    I am new to here but only seen one post about Sainsburys process.

    My application went in on Thursday and I wondered how quickly your broker came back and confirmed everything was ok?

    Anyone else used Sainsburys ?



    FINALLY

    Updates in bold

    18/5 Offered accepted on house - a complicated one as it has an annex with a kitchen
    19/5 Broker instructed and all possible paperwork sent over
    25/5 DIP from Sainsbury's
    31/5/18 Application done
    7/6/18 - valuation undertaken
    21/6/18 - mortgage offer received
    Originally posted by TamsinC
    • studentguy
    • By studentguy 9th Jul 18, 12:10 PM
    • 128 Posts
    • 48 Thanks
    studentguy
    Using a broker

    Bank: Clydesdale

    Offer put in: 19th May
    Chain completed: 16th June
    Met with broker: 23rd June
    Mortgage applied for: 25-27th June (unsure of exact date as it was with our broker who did it)
    Informed of Valuation being booked: 2nd July
    Valuation booked for: 12th July (big waiting list with all surveyors in area apparently)
    Additional documents requested and asking questions as to why my partner was in and out of jobs a couple of years ago (she was temping): 9th July
    Now just waiting!
    Last edited by studentguy; 09-07-2018 at 8:22 PM.
    Despite my name, I'm not a student any more
    • sheepy21
    • By sheepy21 9th Jul 18, 11:21 PM
    • 130 Posts
    • 123 Thanks
    sheepy21
    Nationwide
    Hi all, we're ftb and getting a mortgage with Nationwide. Must say that despite having a broker I've had to make contact with Nationwide and the ea to get things moving! Valuation wouldn't have been happening for a few more weeks if I hadn't whipped everyone a bit. Searches etc are all done, contracts and paperwork signed, so as soon as the mortgage offer is received by our solicitor we can exchange

    07/6/2018- full application
    19/06/2018- approved subject to valuation
    09/07/2018- valuation taken place, receive by nationwide 8.30pm

    UPDATE
    12/07/2018- text from nationwide first thing to say mortgage has been offered
    Last edited by sheepy21; 12-07-2018 at 1:32 PM.
    • srik
    • By srik 12th Jul 18, 5:27 PM
    • 7 Posts
    • 3 Thanks
    srik
    Finally
    Our Time Line- Lender: Clydesdale
    Application made by Broker: 18/06/2018
    Valuation Instructed on: 20/06/2018
    Valuation Booked on: 21/06/2018
    Valuation Date: 27/06/2018
    Verbal Confirmation of Satisfactory Valuation: 29/06/2018
    Telephone Call from Broker to advice that file passed to underwriter: 02/07/2017
    Hard Credit Check on Experian- 02/07/2018
    Phone Call from Broker advising underwriter requesting additional documentation-05/07/2018
    Additional Documents submitted-05/07/2018
    Recevied Email and Phone call from Broker to advice application approved-09/07/2018
    Originally posted by srik
    Update:
    Recevied PDF copy of the formal offer by email: 12/07/2018

    Considering all the horror stories about Clydesdale, I think our application being self employed went through fairly smoothly and quickly.
    • Jemima2511
    • By Jemima2511 13th Jul 18, 11:38 AM
    • 2 Posts
    • 0 Thanks
    Jemima2511
    Hi all,

    Update from earlier post (FTB, 5% deposit on 3 year FR with Clydesdale):

    18/6 - offer accepted
    27/6 - full application, though documents werenít sent until 2/7
    6/7 - valuation completed
    10/7 - passed to underwriter
    12/7 - informed underwriter happy to proceed to offer, which should be received next week

    All in all, assuming nothing goes wrong with the offer stage, nowhere near as drawn out as I was led to believe it would be with Clydesdale.
    • heston2014
    • By heston2014 14th Jul 18, 11:01 AM
    • 36 Posts
    • 7 Thanks
    heston2014
    Hi All

    Going through one of the stressful moments of my life, remortgaging LTB to purchase second home.

    Complex LTB due to decked access property, broker obtained AIP for LTB and onward purchase. Offer has been accepted, application for LTB submitted yesterday and now waiting anxiously for decision.

    LTB with Vida homelands / onward with Halifax but not yet submitted application. Existing mortgage also with Halifax.

    Hoping for good news, keeping everything crossed.
    • studentguy
    • By studentguy 16th Jul 18, 11:26 AM
    • 128 Posts
    • 48 Thanks
    studentguy
    Using a broker

    Bank: Clydesdale

    Offer put in: 19th May
    Chain completed: 16th June
    Met with broker: 23rd June
    Mortgage applied for: 25-27th June (unsure of exact date as it was with our broker who did it)
    Informed of Valuation being booked: 2nd July
    Valuation booked for: 12th July (big waiting list with all surveyors in area apparently)
    Additional documents requested and asking questions as to why my partner was in and out of jobs a couple of years ago (she was temping): 9th July
    Now just waiting!
    Originally posted by studentguy
    Bank: Clydesdale

    Offer put in: 19th May
    Chain completed: 16th June
    Met with broker: 23rd June
    Mortgage applied for: 25-27th June (unsure of exact date as it was with our broker who did it)
    Informed of Valuation being booked: 2nd July
    First Credit Check: 2nd July
    Second Credit Check: 3rd July
    Valuation booked for: 12th July (big waiting list with all surveyors in area apparently)
    Additional documents requested and asking questions as to why my partner was in and out of jobs a couple of years ago (she was temping): 9th July
    Third Credit Check: 15th July
    Mortgage Approved: 15th July
    Awaiting formal mortgage offer
    Last edited by studentguy; 16-07-2018 at 11:31 AM.
    Despite my name, I'm not a student any more
    • crystal1212
    • By crystal1212 16th Jul 18, 11:33 AM
    • 2 Posts
    • 0 Thanks
    crystal1212
    Buy-to-let Mortgage with BM Solutions - Anyone have any idea how long it takes??
    Lender : BM Solutions
    Application made by Broker: 11/07/2018
    Valuation Instructed on:
    Valuation Booked on:
    Valuation Date:
    Last edited by crystal1212; 16-07-2018 at 11:46 AM.
    • Tufa
    • By Tufa 20th Jul 18, 2:43 PM
    • 2 Posts
    • 1 Thanks
    Tufa
    FTB with HTB London here, a bit cold water with L&C.

    09/06 Offer made
    12/06 Offer accepted and started to gather all the paperwork to MA
    13/06 Mortgage application sent to L&C and from here every day we had to submit different paperwork to them.
    21/06 All paperwork been sent finally to Halifax (MA was on holiday, or didn't see my e-mail, etc..)
    22/06 ATP Issued (with wrong names)
    22/06 Valuation booked in
    28/06 Second ATP issued with correct names
    29/06 Valuation date
    02/07 Valuation rejected, down-valued the flat with an unrealistic price (original purchase price £493k, minus discount £5k, the flat valued to £420k where as no any other new development in 2 mile radius!)
    03/07 New mortgage application to Barclays (with wrong names again and info again, notified them, assumed they have corrected it)
    06/07 More information needed (L&C didn't forward the information to Barclays)
    13/07 More information needed again (apparently the wrong application form flagged up at Barclays as i had no job based since 2015 on the form, which is of course wrong)
    16/07 More information needed again (Wife had password protected payslips, and L&C didn't forward the password to Barclays, so had to do another employer referencing)

    Today called Barclays directly to get some info as no updates from L&C.
    Still no valuation booked, god knows how long this will take..
    L&C only helpful and keep you in the loop until you send all the paperwork at the first stage. Once it's passed to the case manager, it is just painful and every time I ask about my case, the CM acts like he is doing a favor to me by answering(IF he is answering). I would let them to their job if they don't mess up my case on various occasion. I will go with a different broker next time for sure...
    • studentguy
    • By studentguy 20th Jul 18, 5:57 PM
    • 128 Posts
    • 48 Thanks
    studentguy
    Bank: Clydesdale

    Offer put in: 19th May
    Chain completed: 16th June
    Met with broker: 23rd June
    Mortgage applied for: 25-27th June (unsure of exact date as it was with our broker who did it)
    Informed of Valuation being booked: 2nd July
    First Credit Check: 2nd July
    Second Credit Check: 3rd July
    Valuation booked for: 12th July (big waiting list with all surveyors in area apparently)
    Additional documents requested and asking questions as to why my partner was in and out of jobs a couple of years ago (she was temping): 9th July
    Third Credit Check: 15th July
    Mortgage Approved: 15th July
    Awaiting formal mortgage offer
    Originally posted by studentguy
    Formal mortgage offer received: 20th July
    Despite my name, I'm not a student any more
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