Mortgage with halifax underwriter?

solman30

Thanks for the support guys, no news still Monday hopefully....any news on your santander/abbey application.
I do have a friend high up in santander, who told me its unlikly a application will fail if its been automated. He said it would have been declined first hand. He also said ocationally adverse does get put through. So we will see.

Lipstick85

They said my partners payslip was too light it is very light so can understand them asking for another copy my fa has also posted a copy to them. I'm hoping for news this week fingers crossed for both of us .

solman30

good luck!!!...the wait is driving me crazy.

redapple1

I've found Halifax really good! We had a full offer in 10days and then when the sale fell through we had to find somewhere else. Again they were really great and our advisor was very helpful. It took 2 weeks or so off the next offer but that was because the property was down valued at survey. Fingers crossed you won't have to wait too much longer.

Lipstick85

Any news? We have not had any yet : (

solman30

still no news, he's tried to get application speeded up. Abbey webpage is saying roughly a 9 day turn around. 3.9 days till survey agreed/rejected. So that should mean info today!!.....but not counting on it!

solman30

As of yesterday this is what I know, the mortgage app passed the hard credit check, (automated approval) leading to a DIP. They asked for wage slips etc - which were sent Friday. The information is on underwriters desk to cross check. There is a case on the forum with a lady who got approved with a bit of adverse with Santander. So who knows, if automated the credit score any issues probably would flag then. I just hope brokers information did'nt have any mistakes!!

solman30

Update - Abbey initially referred application on affordability. MA questioned that, Abbey admitted making a admin error, they processed a loan twice for some reason, doubling my outgoings. Taking that into account affordability isn't a problem. Abbey have put it back in the que for today with the same underwriter. So fingers crossed that will be ok....but who knows!!

solman30

Frustrated isn't the word, abbey make a mistake...and I have to wait another 24 hours for a decision!!...especially with the people we are buying from breathing down our neck.

Lipstick85

Hope things go well for you keep me updated