Halifax mortgage help

CanItGetWorse

Can anyone help me with my question?

I currently have a mortgage with Halifax. Not tied in (my deal came to an end a few months ago) and currently pay 2% above the base rate (which obviously at the moment is good for me!)

But when the rates do rise I'd like to fix, which Halifax (on their website) say they'll do without me incurring any fees.

What I'd like to know is, will they perform another credit search on me? i ask this as unfortunately I had to go bankrupt a few months ago, so haven't got a hope of getting a decent mortgage (or one at all!) with any other lender for a good while. I'm also in negative equity (hence why I've been able to keep my house in the bankruptcy)

I have actually already informed Halifax that I am bankrupt, but they wern't interested as long as I made all my mortgage payments (which I have)

Thanks in advance

opinions4u

Their SVR is actually 3% above base rate at 3.50%.

But when the rates do rise I'd like to fix, which Halifax (on their website) say they'll do without me incurring any fees.

That assumes they have a no fee fixed rate available at the time. Don't assume they will always have something available.

What I'd like to know is, will they perform another credit search on me?

Unless thnigs have changed recently, no.

John424

Of course they won't perform another search as they have already reeled you in as a borrower, be it good or bad so all they are concerned with is as they say, you keeping up the repayments. In order to give you a fix mortgage, they will just go out into the money markets and buy it, you have just as much chance as getting their best rates as me I guess (also with Halifax), all other criteria LTV etc being equal.