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  • FIRST POST
    • glider3560
    • By glider3560 10th Jun 17, 11:30 AM
    • 3,318Posts
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    glider3560
    Halifax Mortgage - Legal & Genreral Surveyors?
    • #1
    • 10th Jun 17, 11:30 AM
    Halifax Mortgage - Legal & Genreral Surveyors? 10th Jun 17 at 11:30 AM
    I paid my valuation fee with Halifax during the week, whilst making my mortgage application.

    Yesterday I received some random text messages from Legal & General Surveyors about an appointment next week. No real details given.

    I was expecting Colleys to be carrying out the survey. Does anyone know if Halifax use L&G to do surveys?

    Also, does this mean my application has effectively been accepted, subject to the valuation coming back ok?

Page 1
    • kingstreet
    • By kingstreet 10th Jun 17, 1:03 PM
    • 32,207 Posts
    • 17,247 Thanks
    kingstreet
    • #2
    • 10th Jun 17, 1:03 PM
    • #2
    • 10th Jun 17, 1:03 PM
    If Colleys don't have coverage, they panel it out, possibly in this case to L&G Surveyors.

    The valuation is instructed immediately in most cases and proceeds to offer when the valuation is returned.

    There is no 'your application is now approved' milestone inbetween.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
    • Beanboysmum
    • By Beanboysmum 10th Jun 17, 6:53 PM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    • #3
    • 10th Jun 17, 6:53 PM
    • #3
    • 10th Jun 17, 6:53 PM
    Hi newbie here, so apologies if I make any mistakes.
    We are in the exact same position with Halifax. ....stressful isn't it??
    We applied through MA and the full application went in Wed this week. The valuation survey is booked for Mon, I've no idea if this means Halifax are fully happy with our application and have already assessed it? Or does it gets assessed after the valuation?
    I'm going to have no fingernails left at this rate
    Unable to speak to the MA until Mon.
    Anyone know the process for Halifax.?

    Thanks 😊
    • SeagullFTB
    • By SeagullFTB 10th Jun 17, 7:16 PM
    • 41 Posts
    • 19 Thanks
    SeagullFTB
    • #4
    • 10th Jun 17, 7:16 PM
    • #4
    • 10th Jun 17, 7:16 PM
    Interested to know this too. Halifax carried out the valuation on Friday and told us that we should hear something by Tuesday. Can't help but worry that something could go wrong.
    • Beanboysmum
    • By Beanboysmum 11th Jun 17, 9:07 AM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    • #5
    • 11th Jun 17, 9:07 AM
    • #5
    • 11th Jun 17, 9:07 AM
    Interested to know this too. Halifax carried out the valuation on Friday and told us that we should hear something by Tuesday. Can't help but worry that something could go wrong.
    Originally posted by Normski1989

    So stressful isn't it?
    I over think everything! I think MA's forget that Joe public doesn't try and buy a house regularly,
    I need a step by step guide for my sanity.. I have a to do list to check off!! 😁
    • kingstreet
    • By kingstreet 11th Jun 17, 9:23 AM
    • 32,207 Posts
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    kingstreet
    • #6
    • 11th Jun 17, 9:23 AM
    • #6
    • 11th Jun 17, 9:23 AM
    Agreement in principle
    Full application submitted and valuation fee collected
    Valuation instructed
    Supporting documents uploaded
    Documents checked and signed-off
    Valuation returned and assessed
    Offer issued.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
    • SeagullFTB
    • By SeagullFTB 11th Jun 17, 10:19 AM
    • 41 Posts
    • 19 Thanks
    SeagullFTB
    • #7
    • 11th Jun 17, 10:19 AM
    • #7
    • 11th Jun 17, 10:19 AM
    Thanks Kingstreet, that's helpful.

    So, if the valuation was instructed and the documents were uploaded on Monday, the underwriting should've been completed by the time the valuation took place on Friday? So in theory, the valuation should be the final piece of the puzzle?
    • Beanboysmum
    • By Beanboysmum 11th Jun 17, 2:13 PM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    • #8
    • 11th Jun 17, 2:13 PM
    • #8
    • 11th Jun 17, 2:13 PM
    Agreement in principle
    Full application submitted and valuation fee collected
    Valuation instructed
    Supporting documents uploaded
    Documents checked and signed-off
    Valuation returned and assessed
    Offer issued.
    Originally posted by kingstreet
    Thank you kingstreet, that's helpful and appreciated.

    So technically if Halifax have booked the valuation date, they are "happy" with the application so far? Am i just over thinking that they may have just booked it without looking at the application and we could lose the fee.?
    I feel like its been one hurdle after another to reach this point. 😊
    • kingstreet
    • By kingstreet 11th Jun 17, 3:42 PM
    • 32,207 Posts
    • 17,247 Thanks
    kingstreet
    • #9
    • 11th Jun 17, 3:42 PM
    • #9
    • 11th Jun 17, 3:42 PM
    Cases are different and so is the process if you go direct compared with via a broker.

    We submit the application, the valuation is usually instructed immediately and we upload the documents then phone and go over them and often the case is then subject to satisfactory valuation.

    If there are any issues, the valuation might not be instructed immediately as it requires human intervention but there is no way of anyone knowing that who isn't involved in the case.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
    • Beanboysmum
    • By Beanboysmum 11th Jun 17, 4:33 PM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    Thank you again kingsman
    Think I need to just stop thinking and be positive, my MA knows what he's doing.
    Last edited by Beanboysmum; 12-06-2017 at 1:50 PM.
    • Beanboysmum
    • By Beanboysmum 12th Jun 17, 1:49 PM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    Valuation didn't happen! The surveyor didn't turn up!!
    Worrying now that Halifax put it on hold as they have queried my wage slips.
    Have asked my MA for an update

    Fgs this is soooo stressful
    • SeagullFTB
    • By SeagullFTB 12th Jun 17, 2:01 PM
    • 41 Posts
    • 19 Thanks
    SeagullFTB
    Beanboysmum... you can always contact Halifax directly for an update.


    I couldn't get hold of my MA on Friday afternoon as he wasn't in the office, so I called Halifax directly. They managed to trace my application using my address, name and date of birth. They were very helpful too.
    • Beanboysmum
    • By Beanboysmum 12th Jun 17, 2:10 PM
    • 14 Posts
    • 4 Thanks
    Beanboysmum
    Oh thanks I didn't realise that!

    I'll give that try
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