AshvaleClient portal
PR Priya Raghunathan

Flat 12, Calverley Wharf

Buying at £412,000 with a £329,600 mortgage from Northbank Building Society

Where we are
With the solicitors
Waiting on paperwork from the seller's side
Your mortgage offer lasts until
2 September
19 days from today
Anything needed from you
Nothing
You are completely up to date

Where your move has got to

Updated automatically — you do not need to ring to find out

Slower than we would like
STEP 1
We worked out what you could borrow
28 May 2026
STEP 2
The lender valued the flat
28 May · valued at the full price
STEP 3
Your mortgage was offered
2 June · 4.29% fixed for 5 years
STEP 4
The solicitors do their checks
Here now · 31 days
STEP 5
Exchange and completion
Not yet dated

What is actually holding things up

Your solicitor is waiting for a pack of documents about the building — service charges, safety information and the accounts — which has to come from the company that manages Calverley Wharf. We asked for it on 14 July and chased it on 29 July and 12 August.

This is normal for a flat and it is nobody's fault, but it is slow, and your mortgage offer has a deadline. We are on it, and you do not need to do anything.

Why the deadline matters. A mortgage offer does not last forever. Yours runs out on 2 September. If we get past that we would have to apply again, and the 4.29% rate you were given in June is no longer available — so it would very likely cost you more each month. That is why we are chasing hard.

Your documents

Everything you have sent us, and everything we have sent you

DocumentWhat it was forDateStatus
Your mortgage offerNorthbank · 4.29% fixed for 5 years2 Jun 2026
Our advice letterWhy we recommended this mortgage2 Jun 2026
What we chargeOur fee and how we are paid28 May 2026
Passport — PriyaProving who you are22 May 2026Accepted
Driving licence — DanielProving who you are22 May 2026Accepted
Payslips ×3 — PriyaProving your income22 May 2026Accepted
Tax calculations ×2 — DanielProving self-employed income24 May 2026Accepted
Bank statements ×3Showing your deposit and spending22 May 2026Accepted
If your move runs past early September we may need fresh payslips and statements, because lenders only accept them for three months. We will ask if it comes to that.

Send us something

Goes straight to Hannah and Sunita

Drop a file here

Photos of documents are fine

Your adviser

HB
Hannah Boakye
Mortgage & Protection Adviser
Direct line0113 496 0182
Case handlerSunita Dhillon
Your referenceASH-4471

Your cover

What you have in place, and the one thing we said we would come back to

CoverWhoPays outProviderStatus
Life coverPriya£186,000Ravenscourt LifeIn place
Life coverDaniel£186,000Ravenscourt LifeIn place
New life cover for the bigger mortgageBoth£329,600Applied for 6 JunUnderwriting
Critical illness coverNeither—Discussed 6 Jun, you decided againstDeclined
Income protectionDaniel—You asked us to revisit after you moveTo discuss
Daniel is self-employed, so there is no sick pay behind him. We are not going to nag you about it during a house move, but it is on the list for when you have moved in.