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Halifax... Really? Please Help

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Comments

  • betmunch
    betmunch Posts: 3,126 Forumite
    Sequence have the ability to drop the fee. Tell them you are going to use a fees free guy as you dont want to pay the lifetime fees, but as you like him you will use him IF he drops the fee altogether.
    I am a Mortgage Adviser
    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.
  • billybear1
    billybear1 Posts: 427 Forumite
    Part of the Furniture Combo Breaker
    Dave_Ham wrote: »
    Why not just call up Halifax and do it over the phone or in branch??

    Saves you the fee


    Do they really treat general applications the same as mortgage broker applications?

    I thought they get prefferencial treatment as they deal with them a lot!
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    billybear1 wrote: »
    Do they really treat general applications the same as mortgage broker applications?

    I thought they get prefferencial treatment as they deal with them a lot!

    Lenders are more interested in the "borrower" than the source of the business.
  • billybear1
    billybear1 Posts: 427 Forumite
    Part of the Furniture Combo Breaker
    I never thought that Halifax would look at us with defaults of 2 years. This seems strange.......
  • billybear1
    billybear1 Posts: 427 Forumite
    Part of the Furniture Combo Breaker
    Failed at AIP. Lying sack of....... !"!
  • betmunch
    betmunch Posts: 3,126 Forumite
    billybear1 wrote: »
    Failed at AIP. Lying sack of....... !"!

    I'm sorry to say I half expected this.

    How did you find out?
    I am a Mortgage Adviser
    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.
  • billybear1
    billybear1 Posts: 427 Forumite
    Part of the Furniture Combo Breaker
    If that is the case, then why did the Mortgage advisor even bother putting me forward and stating I had an AIP. This is classed as thievery really isn't it? Trying to sucker me into to paying his fee. I think I should report him to someone, if I can. Is there anyone I can report him to, make him prove I have an AIP. I have the emails from him!
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    billybear1 wrote: »
    If that is the case, then why did the Mortgage advisor even bother putting me forward and stating I had an AIP. This is classed as thievery really isn't it? Trying to sucker me into to paying his fee. I think I should report him to someone, if I can. Is there anyone I can report him to, make him prove I have an AIP. I have the emails from him!

    Your broker acted in good faith. Not their decision to decline your application for a mortgage. An AIP is not a formal mortgage offer.
  • billybear1
    billybear1 Posts: 427 Forumite
    Part of the Furniture Combo Breaker
    I guess so... Still, I am not sure I believe that. He asked for no previous addresses etc etc and I thought I smelt a fish... Still. We move on.

    THANK YOU ALL FOR THE HELP!
  • boo123boo
    boo123boo Posts: 16 Forumite
    I have just had this problem with the Halifax too. My mortgage advisor got me a decision in principal, i paid for my valuation last week which they took out straight away, and i have now found out they will no longer give me a mortgage cos of a default on my credit rating from 4 years ago, even though it was settled 2 years ago.
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