Silly questions...

luckyfool

If they/you actually have a full mortgage offer then there should already be a direct debit setup as part of the application process. Have you definitely got the full offer in place and not just an agreement in principle? Typically the amount of contact a broker will have with the client after the offer has been issued up until completion will vary depending on the client's needs, and whether there is anything complex (such as retentions, reports, etc required as offer conditions). If a straightforward offer has been issued your primary contact between then and completion would be with your solicitor (though a good broker will naturally be in a position to explain the process and smooth the way).

ztan

We've had a full offer, with the T&C's and everything sent from the lender... but nothign re HOW we're going to pay.

I do know the name of who we're dealing with- I just left it off the copied version of the email to preserve the company's privacy and incase I get in trouble for advertising or something!

I fell out with our adviser a while ago however, because he messed up and provided us with the wrong information, meaning we were under the impression our deposit was £1k less than they actually wanted.

I kicked up such a stink, that the developers (who because it's a shared equity deal insisted we use their "broker") agreed to pay £500 of the additional £1000.

Since then however, the adviser only got in touch to tell us our mortgage had gone to offered, and we just had to sign the contracts with our solicitor.

We did all that, and then the developers solicitor spent 3 weeks ar$ing about before they actually exchanged contracts.

I am getting rather fed up. (and probably being a bit dense)

ztan

Well, I've emailed Mr Adviser Man with some tough questions and come right out and asked him why we've not heard from him in 6 weeks.

luckyfool

Who is the lender? You almost certainly already have a direct debit setup as part of the application. If you want to change it to a new account call your broker, and ask them to get it changed. They can either provide the new account details to the lender over the phone or can email you a pdf direct debit form to complete and return. Alternatively, wait until you have completed then give the lender a call and tell them you want to change the direct debit.

No lender that I am aware of will have let you get to mortgage offer stage without bank account details to setup the direct debit. In fact some lenders will actually automatically setup a new bank account for you as part of the application process (which you can choose to fund the mortgage from). If that box was ticked to pay it from the new account, then no direct debit would be setup (Barclays/Woolwich do this), and you would be expected to have enough money in your new account to fund the mortgage payments.

ztan

It's Halifax...

Preferably I'd like it to come out of our joint. I strongly suspect, they've just set it up on my OH's account- after all it's the bloke who always gets put first for these things!

Well, if he doesn't get back to me today, I'll just ring the lovely Halifax people and see what they say. (I have to be honest, I may also suggest they change their ad campaign because it's getting on my nerves!)

luckyfool

Halifax will definitely already have the direct debit setup, you or your partner must have provided account details during your application. With Halifax your broker can change the Direct Debit details over the phone.

Crinz

Halifax cant issue a mortgage offer without having payment collection details set up on the account so it has probably been set up to the wrong account.

its a 30second job to change the details so just call them and get it done if you cant be bothered waiting on your broker.

ztan

Wicked, you've all been really helpful! Thanks.. I'm going to just call Halfax myself.

ztan

I was right... it was set up to come out of my OH's account.

All sorted now though, and they're going to call me back in 3 weeks to check we've got buildings insurance set up etc.