Halifax Mortgage

katywhity123

Hi

I was wondering if anyone had an idea of how long it takes halifax to come to a dission about a mortgage?

we have gone through an mortgage advisor and they sent off the forms to halifax yesterday but we dont know how long we will have to wait

any ideas???


Basically im just Impatient

Bobby_Dazzler24

id say a couple of weeks max

stephen25uk

You should have gone direct to halifax.......we got a decision in principle there and then in branch

dollydiva

Quite a few on here complained about the length of time with Halifax - take a look thru the threads.

Dd

Blakey74_2

We went to a mortgage broker and got AIP with Halifax there and then. The application was then agreed the same day and survey arranged the next day. Mortgage offer received 2 days later. So from getting AIP to getting mortgage offer was 4 days.

katywhity123

I have the decision in principle already it was all done through a adviser as we are first time buyers and unsure exactly what we where doing so needed an extra help the only reason we are worrying is that we have a reserve on a house and really dont wanna lose it

Leon_W

How long is a piece of string ?

Every case is different as are everybodies circumstances.

Simple cases at low LTVs with a good credit history may need only a last wage slip. First time buyers, self employed, fair credit history, suspect property might need employers references, bank references, additional valuer information which all takes time. There is no one size fits all answer.

bronzedg

I put through an application on 30th sep had the valuation done on 4th oct but yestersay i rang & they havent even gone through our case yet it has just gone to underwriters but they are so busy wont get an offer till probably Mon or Tues now because apparently they are so busy :-(