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Original poster

Has anyone used the Nationwide (via call centre) for a mortgage and how long did it take to be agreed?

108 replies

CuddyMum · 11/04/2013 09:52

My application was processed yesterday (after many lengthy conversations and system crashes). We are porting our existing mortgage and adding a new mortgage for the house we are buying.

The call centre estimate 6 weeks to process but in reality, how long should this take?

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Original poster
CuddyMum · 14/05/2013 11:20

Packing in process - hoping to move next Thursday! Hope you hear something soon pretty :)

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prettypleasewithsugarontop · 14/05/2013 16:26

DH called the IFA this afternoon. Nationwide haven't requested the new homebuyers report yet :( i really don't see us completing on 31st! It's not just a case of us packing up and going - we need to give four weeks notice to housing association and nursery. I really can understand why people say it's so stressful!

Good luck for your move! Not looking forward to packing. We're upgrading from a 2 bed to a 3 bed, but with a smaller kitchen and less built in storaeg, house is full to bursting with stuff so will be an adventure ;) hopefully get rid of some stuff on sale site :)

Original poster
CuddyMum · 14/05/2013 16:30

How frustrating for your pretty - are you able to liaise with the Nationwide yourselves?

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prettypleasewithsugarontop · 14/05/2013 16:40

No, because we went and did it all through the advisor, they won't speak to us :(

Original poster
CuddyMum · 14/05/2013 17:43

Oh no! I didn't realise that :(

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Original poster
CuddyMum · 14/05/2013 17:47

Oh no! I didn't realise that :(

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prettypleasewithsugarontop · 14/05/2013 18:03

neither did we Sad

prettypleasewithsugarontop · 18/05/2013 12:45

This morning in the post we received our offer Smile there are a couple of conditions, so trying to work that out but hooray! And fingers crossed for plain sailing. Believe we are going to ask for an extention on completion date, as not likely that we will manage in 13 days Confused to move in and hand in 28 days notice to HA!

Original poster
CuddyMum · 18/05/2013 17:50

What conditions have they put?

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prettypleasewithsugarontop · 18/05/2013 21:31

a store card paid off

Original poster
CuddyMum · 18/05/2013 21:41

We have that too - they want a rather large credit card to be paid off. A bit silly really as that was why we borrowed extra so it can't all be paid off before completion, only afterwards.. The solicitor was worried about it but the Nationwide we quite blasé! We shall see what happens on completion day!!!

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Notyetthere · 18/05/2013 22:21

We too had the condition to pay off the £900 on my credit card but we had budgeted to pay it off anyway. I had been warned by another person who had just got one of the very low deposit products that if I was hoping for the same I should not have any other commitments apart from student loan.

Update from us, we exchanged on 15th May and we are to complete on 7th June. I was hoping to exchange b4 31st May but I believe there was issues further up the chain( new build at top of chain).

Cuddy congratulations on your progress, I hope to never have to go through what you have! It has been epic on our very basic, supposedly uncomplicated sale; probably 1st time buyer ignorance and not realising the amount if time spent waiting for other people to do their job. How are you getting on with the packing? I'm rather enjoying mine!Grin 1st time for everything I guess,I'm sure I won't enjoy unpacking our the excitement wears off!

Original poster
CuddyMum · 18/05/2013 22:46

I'm bored with the packing and not looking forward to unpacking! Am packing to go on hols too as we go away two days after we move! I don't want to move again but I've said that before!! Once we're unpacked we can start making decorating plans :)

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Notyetthere · 18/05/2013 22:59

The house we are buying has all been done up so we don't need to do any decorating! Maybe touch ups where dirty moving men will have left scuffs. I'm sure we paid dearly for a house that is already done up compared to a project but at least we can move in and just enjoy living in it immediatelySmile.

Today we bought a garden table with 6 chairs. DH was looking at chiminea as the only way can enjoy the new garden furniture is by keeping warm in this rubbish weather in our lovely new garden.

prettypleasewithsugarontop · 19/05/2013 16:31

Fingers crossed Notyetthere :)

I called the education dpt and the school has space. We need the missives to prove we will be living there but I assume we won't get them until completion?! In which case, they might not get to start until new term anyway with possible 4wk processing time for school transfer :( in which case a 20mile drive to school each morning for 5wks (if we don't get extention on completion) or 2.5wks (if we manage to get the 2wk extention we are hoping for). Such a confusing business all this home buying!

Notyetthere · 19/05/2013 23:03

Thank you pretty.

Oh Dear, what are missives?Shock I thought I had received all docs from our Solicitor?

Today I started on the deep of our rental flat as I wish to get all our deposit back. The flat normally looks clean but the gunk that came from shower cubicle corner was shocking! I swear I got high on sniffing all of that bleachGrin.

Notyetthere · 19/05/2013 23:03

Deep clean!

Original poster
CuddyMum · 19/05/2013 23:06

The local authority were happy with a letter from our solicitor or estate agent! Technically, we could have got a place and not actually moved! We were sold the uniform before we had exchanged.

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prettypleasewithsugarontop · 20/05/2013 15:12

When I called the education department, they said we needed the missives...I believe they are just the deeds? I'm not sure Notthereyet Confused

Original poster
CuddyMum · 20/05/2013 15:51

Ah missives - I guess you are in Scotland :)

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prettypleasewithsugarontop · 20/05/2013 16:01

Yes :)

prettypleasewithsugarontop · 22/05/2013 07:55

DH spoke to the solicitor yesterday, everything is to be paid beforehand. It's a store card and a credit account. Also going to have to gather together money for new nursery too. Current nursery is sort of pay as you go, they only needed a registration fee before she started, new one is a month in advance.

prettypleasewithsugarontop · 22/05/2013 16:14

Looks like we are all go, managed to get completion moved back a week but it'll do. So we will get the keys on 7th. Told nursery and school, school filling in a form I need to sign for transfer.

Original poster
CuddyMum · 22/05/2013 16:23

Well done pretty. Now our solicitor said we had to settle our credit card before, however, Nationwide said otherwise. We are moving tomorrow and the funds arrived at the solicitors today. It will be interesting to see if anyone checks to see if I have paid the credit card or not!

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prettypleasewithsugarontop · 22/05/2013 16:27

From what I can gather reading online, they don't appear to check

Good luck for the big move! :)