Hi,

I just want to say that after eventually supplying all the info that abbey requested, including proof of address for 2006 and 2007 (ultility bills etc) for both me and my wife, they evenually came back and said i need to reapply as the application has timed out. I mean, come on, are these cowboys for real? Everytime they requested info, it was with them within 24 hours.

Im so glad I got an offer from Halifax. Just stay away from Abbey, they can seriously ruin your dreams. I was one of the lucky ones :)

Just to let you know, that I am still waiting for Abbey to come back with a reply.

In the meantime I have had a mortgage approved in principle, full application, survey and Mortgage Offer from Halifax in under 4 days,

Well done Halifax!

I'm just about to apply (got AIP and signing full application tomorrow) so was interested to read about yours and others delays. I read on abbeyforintermediaries.com that they have a service level agreement of 12.5 days for fully completed / supported applications through an intermediary which is what I'm doing so hopefully won't be too bad.

Good luck anyway.

m3boy:

They have now come back saying the want bank statemenst which i have supplied and that was over a week ago. Still waiting to hear back.

Is anyone else facing delays and is there a chance they can still reject??????Thanks,

Sounds like a normal process to me from past experience and other poster comments. This matter will be with the Abbeys Mortgage underwriters who will be assessing your application. They normally work to internal workflow standards of x number of day. If I were you I would wait until (say) Wednesday and give them a phone call to find out present position.

They could still turn you down but with your wifes and your non-commision earnings I would appeal if they did this on the basis of affordability.

Huckster

Hi,

I am new to this, so apologies if this topic has been done.

I got a Mortgage certificate from Abbey which I am told is basically a mortgage in principle, so credit checks and stuff have been done.

As i am not selling my property to fund the deposit, the mortgage cert was issued along with a rental agreement for my property and proof of income for myself and my wife.

My income is basic plus commission and my wife works PAYE as a contractor. So although our earnings are around £150k per year (£33k basic plus £45k commission and £70k for my wife in earnings last year) it isnt easy explaining this apart from being able to show payslips which we both have happily supplied.

The mortgage is for £187000 with 25% deposit,

They have now come back saying the want bank statemenst which i have supplied and that was over a week ago. Still waiting to hear back.

Is anyone else facing delays and is there a chance they can still reject??????

Thanks,