How long does it take to get HSBC mortgage approval??
Discussion
Got the mortgage in principle decision a month ago. Filled in all the forms, and provided all the supporting paperwork I was asked to (I'm both a personal and business HSBC customer, so they 'know' me), two weeks ago. Last I heard was my application had been sent through but hadn't been assigned to an underwriter, and now my 'mortgage manager' isn't returning phonecalls or emails.
Am I being a bit OTT in getting pissed off at HSBC? The problem is that the estate agents are now passing on the message from the vendors that they are considering putting the house back on the market since there's no obvious action at my end, and I don't want that to happen. So much for me being a no chain, first time buyer
Am I being a bit OTT in getting pissed off at HSBC? The problem is that the estate agents are now passing on the message from the vendors that they are considering putting the house back on the market since there's no obvious action at my end, and I don't want that to happen. So much for me being a no chain, first time buyer
Glad it's working for some
I got a phonecall late this afternoon telling me they've pulled the offer, for what I consider to be the most spurious of reasons, the faceless, nameless w
kers. Back to square one, fingers crossed the vendors will be understanding (I wouldn't be!) while I go elsewhere. I hope anyone that works in HSBC Mortgages gets cat AIDS.
I got a phonecall late this afternoon telling me they've pulled the offer, for what I consider to be the most spurious of reasons, the faceless, nameless w
kers. Back to square one, fingers crossed the vendors will be understanding (I wouldn't be!) while I go elsewhere. I hope anyone that works in HSBC Mortgages gets cat AIDS.(As far as I'm aware) They've refused my individual application, not pulled the deal (though the deal is due to expire on 31 Oct).
I'm just pissed off with the time it's taken for them to get back to me. I popped into a branch earlier and spoke to someone other than the mortgage adviser (my suspicions are it's down to the general crapiness of the individual I have been dealing with) and there are a couple of notes against the refusal, both of which, if they'd actually asked me, could've been addressed before I put the application in. Although now I can see where the underwriters are coming from, but it all could've been sorted with a better communication process.
I should've listened to everybody who said "you're a contractor, go to a broker, don't go straight to the highstreet"
I'm just pissed off with the time it's taken for them to get back to me. I popped into a branch earlier and spoke to someone other than the mortgage adviser (my suspicions are it's down to the general crapiness of the individual I have been dealing with) and there are a couple of notes against the refusal, both of which, if they'd actually asked me, could've been addressed before I put the application in. Although now I can see where the underwriters are coming from, but it all could've been sorted with a better communication process.
I should've listened to everybody who said "you're a contractor, go to a broker, don't go straight to the highstreet"
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