We put an offer in on a house nearly 3 months ago. We had a lower offer accepted as we were in a position to move reasonably quickly and the vendor wanted to sell quickly. Unfortunately it has not turned into a quick sale. We had a mortgage in principle but the full application process has been painstaking. First the broker didn't receive our application form and the usual bank statement and payslips. They said they had not got to them. Tbh I thought they were having me on with the lost in the post excuse but they did actually get lost. That was the first delay of about 10 days. Next delay was the New Morgage company needing revised paper work from our existing mortgage and our contest to let. This took Halifax over 2 weeks. Then the new mortgage company wanted us to answer a million questions about our bank statements. They questioned every direct debit. By the time they had done all this another month has passed since the original application do they needed a further months payslips and bank statements.
I know this is the usual stuff that happens but we really thought they were going to reject us but on Friday we were told its proceeding to survey. We instructed our solicitor to do the searches pre mortgage offer to save time so as far as I am aware this has been done. I can't foresee any survey problems so what sort of time frames are we looking at. Is pre Christmas unrealistic? Also is that it regarding our finances? Am I right I thinking we have been approved subject to survey.
Sorry for the boring post but this house buying stuffs a mine field
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We are finally moving on to valuation/ survey. What next?
7 replies
pud1 · 21/11/2015 21:24
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