Buying a house - fed up :-(

**adele1985** · 20-11-2013, 08:14 AM

E are in the process of buying a house
As we are both self employed and my credit score is bad my dad agreed to go on the mortgage with us
We got the mortgage in principle approved
Tried to put the full mortgage application through yesterday and it got declined :-(
The mortgage advisor said the criteria must have changed to get a 90 percent mortgage do he's going to try and put a mortgage in principle in for 85 percent today
If that doesn't work he said the only other thing it could be is my partners credit score may be linked to me somehow
It's just a waiting game now to see if it goes through

Lol no point to this post really I just needed to moan

**smurfette** · 20-11-2013, 08:25 AM

Oh best of luck Hun,
That's weird they approved it in principal
And it didn't go through,, fingers crossed it will be sorted quickly for you xx

**Tulip** · 20-11-2013, 09:48 AM

Can you check with the credit companies that everything is correct on your file.
Good luck and don't give up x

**adele1985** · 20-11-2013, 10:26 AM

Spoke to the mortgage advisor this morning and it's gone through fine with the 85 percent deposit

Just need to find the rest of the deposit now and hope their isn't any more hiccups

**Goatgirl** · 20-11-2013, 11:13 AM

Hope it goes well from now on

**angeldelight** · 20-11-2013, 11:24 AM

Originally Posted by adele1985

E are in the process of buying a house
As we are both self employed and my credit score is bad my dad agreed to go on the mortgage with us
We got the mortgage in principle approved
Tried to put the full mortgage application through yesterday and it got declined :-(
The mortgage advisor said the criteria must have changed to get a 90 percent mortgage do he's going to try and put a mortgage in principle in for 85 percent today
If that doesn't work he said the only other thing it could be is my partners credit score may be linked to me somehow
It's just a waiting game now to see if it goes through

Lol no point to this post really I just needed to moan

Every need when you want some moral support

Sending you loads of good luck vibes

Keep us posted

Angel xxx

**adele1985** · 20-11-2013, 05:31 PM

Well it's now been passed on to the underwriters who ever they are lol

I know why people say buying a house is so stressful now

**Tulip** · 20-11-2013, 05:42 PM

Thats fabulous, really pleased for you x

**adele1985** · 22-11-2013, 08:08 AM

Thanks :-)
Won't be able to relax until we have it on writing tho
Lol feels like I'm going grey with the stress of it all

**adele1985** · 29-11-2013, 03:10 PM

Just a quick update
The mortgage was approved and has been to the underwriters
The surveys have been done and are now just in the awaiting list to be assessed so fingers crossed we should know if we can get the mortgage on Tuesday by the latest they said

**smurfette** · 29-11-2013, 03:22 PM

Originally Posted by adele1985

Just a quick update The mortgage was approved and has been to the underwriters The surveys have been done and are now just in the awaiting list to be assessed so fingers crossed we should know if we can get the mortgage on Tuesday by the latest they said

Brill. Fingers and toes crossed for you!!

**clairer** · 29-11-2013, 04:46 PM

Fantastic! Buying a house is so exciting but it sure has it's ups and downs!

**adele1985** · 05-12-2013, 06:39 AM

Just another update :-)

Spoke to the mortgage advisor yesterday and they said everything from the valuation and surveys have came back fine

They are just doing final checks (which the they said is standard practice) we should have the letter offering the full mortgage offer in the post by the end of the week, so fingers crossed :-)

**smurfette** · 05-12-2013, 09:04 AM

Originally Posted by adele1985

Just another update :-) Spoke to the mortgage advisor yesterday and they said everything from the valuation and surveys have came back fine They are just doing final checks (which the they said is standard practice) we should have the letter offering the full mortgage offer in the post by the end of the week, so fingers crossed :-)

Brilliant. News!!

**Chatterbox Childcare** · 05-12-2013, 09:08 AM

Fingers crossed xx

**angeldelight** · 05-12-2013, 09:10 AM

Originally Posted by adele1985

Just another update :-)

Spoke to the mortgage advisor yesterday and they said everything from the valuation and surveys have came back fine

They are just doing final checks (which the they said is standard practice) we should have the letter offering the full mortgage offer in the post by the end of the week, so fingers crossed :-)

That's great news

Fingers crossed

Angel xx

**adele1985** · 08-12-2013, 12:45 PM

So nothing has happened yet,
Natwest are going very slow, there was a problem with my partners ID sample it wasn't photocopied clear enough so another copy has been sent to them so hopefully we will get the mortgage in writing by Wednesday
Doesn't look like we are going to be sorted for Christmas like we wanted as once we have the mortgage has been sorted the solicitors then need to do all the checks we didn't want them to do it until we are 100% sure the mortgage is sorted

**adele1985** · 10-12-2013, 02:37 PM

Yey :-) mortgage acceptance letter came today

Spoke to the solicitor and I'm thinking my idea of having the keys for Christmas was a little to ambitious

They said properly early in the new year as the checks take up to 2 weeks to complete

At least we know we are moving now tho :-)

**smurfette** · 10-12-2013, 02:43 PM

Originally Posted by adele1985

Yey :-) mortgage acceptance letter came today Spoke to the solicitor and I'm thinking my idea of having the keys for Christmas was a little to ambitious They said properly early in the new year as the checks take up to 2 weeks to complete At least we know we are moving now tho :-)

Great you are on a roll!