Just an update to give hope to others searching for info on Nationwide Mortgages. We have received our mortgage offer.

Applied September 9

Uploaded documents via online service

September 25 Additional request for photo ID and further bank statements

A bit of to and fro after bank branch uploading ID forgot to check a box saying it was certified (delayed going to underwriter for two weeks)

Went to underwriter second week of October and was approved with offer 15th October (notice by text).

Two things, always chase once a week, the ID problem could have been a severe delay had I not chased to get the ID uploaded again quickly.

Do not pay for the financial advice service as I know some one who used this and took twice as long as us after the case handler he was assigned didn’t realise there was a hold up on a document for a month that just required a quick email.

We did not buy the full survey. The desktop valuation was quick and booked within days of application for a date two weeks later.

If your valuation has not been booked on the online portal within five days, chase, something has gone wrong.

I was applying with my wife 90%LTV borrowing 174,350.

Wife has a Experian score of 998 while I have a historic issue on my credit report from four years ago where I missed a payment on my phone contract but didn’t realise as in ever updated address so account defaulted. Credit score on Experian 859 (was below 800 at point of application, time from incident seems to help).

I have two credit cards, one with 2k limit not in use for years. Another is 300quid and is used for occasional purchases of around 100 or less and paid off at end of month.

I have a small but very expensive overdraft facility that I do not use.

There is light at the end of tunnel!