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  • FIRST POST
    • Hannah13409
    • By Hannah13409 22nd Dec 19, 4:18 PM
    • 25Posts
    • 0Thanks
    Hannah13409
    The mortgage lender - TML
    • #1
    • 22nd Dec 19, 4:18 PM
    The mortgage lender - TML 22nd Dec 19 at 4:18 PM
    Hi wondering if anyone else has had a mortgage with the mortgage lender there seems to be very little threads about them
    Full application went in 9th December all fees paid etc since then apart from one question regarding a direct debit there has been nothing

    Just a bit anxious as when the application went in there site said 3 day turn around and tomorrow itís been 7 however our MA said at this stage no news is good news just wanted to know other peoples names experiences ?
Page 2
    • Danny385
    • By Danny385 10th Jan 20, 2:25 PM
    • 11 Posts
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    Danny385
    Just been asked for another document and sent it in, apparently this was the last thing they needed. Been told will get an update in 48 hours.
    • Hannah13409
    • By Hannah13409 13th Jan 20, 12:22 PM
    • 25 Posts
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    Hannah13409
    Must say Iím not impressed after confirming they have all documents and wouldnít need anything else within 24 hours my MA was in touch as they wanted proof of deposit as said I spent £1500 of it where that has came from I have no idea Iíve actually been adding more in and wanted my tax return again as said I had made amendments to it - my tax return was filed in May and remains the same as itís always been
    • Danny385
    • By Danny385 14th Jan 20, 8:11 PM
    • 11 Posts
    • 0 Thanks
    Danny385
    I have an update today, the underwriter is happy with the application and valuation has now been instructed. It took them 6 weeks to get to this stage, hope all you waiting get yours through soon.
    • Hannah13409
    • By Hannah13409 15th Jan 20, 4:37 PM
    • 25 Posts
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    Hannah13409
    Got the news today my valuation has now been instructed
    • Danny385
    • By Danny385 16th Jan 20, 7:24 AM
    • 11 Posts
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    Danny385
    Thatís great! Hope we now get the offers very soon.
    • NinaGee
    • By NinaGee 16th Jan 20, 3:44 PM
    • 3 Posts
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    NinaGee
    Hi, I have been following this thread closely as we have also been dealing with TML and had similar problems. I haven't wanted to post because I thought I might jinx things (silly I know!)... but after 6 weeks we have just had confirmation from our mortgage broker that an offer has been issued!! We had our valuation on 20th December so slightly different to you as we seem to have done things backwards! The valuation was fine but have been back and forth ever since with lots of questions and requests for further documents/explanations etc. I have been so stressed about this and found all your posts very helpful so thank you... I hope you get your offers soon too!
    • Hannah13409
    • By Hannah13409 17th Jan 20, 2:13 PM
    • 25 Posts
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    Hannah13409
    Aw congratulations you must be over the moon I hope we get our good news soon I check my emails every 10 minutes I literally make the situation more stressful than it needs to be ha
    • NinaGee
    • By NinaGee 17th Jan 20, 2:36 PM
    • 3 Posts
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    NinaGee
    Haha I was exactly the same and even now we finally have the offer I've moved on to worrying about other things... I think it will be this way until we actually move in... buying a new build with completion set for August so good luck to my husband as I am a nightmare to live with under all this stress ha!
    • MR_TKING
    • By MR_TKING 19th Jan 20, 12:48 AM
    • 1 Posts
    • 0 Thanks
    MR_TKING
    I am new here.

    I have been following this thread. I had my application on wednesday. Valuation as been instructed according to the MA at Halifax.

    Agents told me, that valuation is now booked for tuesday. I am so nervous. Hopw the valuation is as expected.

    No one told me mortgage app could be this stressful.
    • MovingForwards
    • By MovingForwards 19th Jan 20, 9:49 AM
    • 3,074 Posts
    • 3,689 Thanks
    MovingForwards
    I am new here.

    I have been following this thread. I had my application on wednesday. Valuation as been instructed according to the MA at Halifax.

    Agents told me, that valuation is now booked for tuesday. I am so nervous. Hopw the valuation is as expected.

    No one told me mortgage app could be this stressful.
    Originally posted by MR_TKING
    There is a thread about waiting for mortgage offers where most people post.

    This thread is about people using TML, who are a sub-prime lender.
    • Danny385
    • By Danny385 20th Jan 20, 12:10 PM
    • 11 Posts
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    Danny385
    Valuation came back as expected, and been advised they are now doing final checks, if all goes well my offer will be with me very soon. What are the final checks gosh this is so stressful...
    • Hannah13409
    • By Hannah13409 21st Jan 20, 7:47 AM
    • 25 Posts
    • 0 Thanks
    Hannah13409
    Keep me updated Iím sure it will be fine and stress will be all worth it in the end ! Our valuation is today so fingers crossed
    • Danny385
    • By Danny385 21st Jan 20, 7:25 PM
    • 11 Posts
    • 0 Thanks
    Danny385
    I have received my full mortgage offer today. I hope all you guys get yours soon
    • Hannah13409
    • By Hannah13409 22nd Jan 20, 12:47 AM
    • 25 Posts
    • 0 Thanks
    Hannah13409
    Aw congratulations you must be thrilled 😁 thank you for keeping me updated along your journey
    • Hannah13409
    • By Hannah13409 25th Jan 20, 8:37 AM
    • 25 Posts
    • 0 Thanks
    Hannah13409
    For anyone following this thread.. my valuation came back that the house was originally a local authority property (council house) so that means itís not a 15% deposit the mortgage lender require itís a 25%
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