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Halifax criteria
kingstreet
Posts: 39,315 Forumite
This has changed recently;-
Anyone notice when it actually changed?We do not accept applications from customers who have ever been declared bankrupt or have made an IVA with creditors.
I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
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I am pretty sure this has been the case for a few months at least when I first looked at it.0
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Old thread from a quick search;-
https://forums.moneysavingexpert.com/discussion/3505527
Saying which, there's now a couple of questions about adverse on the Mortgage Promise, so they may have changed at the same timeI am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
This one, back in March, appears the last one I posted in about it;-
https://forums.moneysavingexpert.com/discussion/comment/51752931#Comment_51752931
So it could have changed back then. I tend to check each time I post something, as I did earlier today.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
They changed this very quietly and I only noticed about 1 month ago.
I would imagine it has been all part of the change over to the 10/ Lloyds Hybrid system from the old A/
The MA's in branch have been on the hybrid system for about 6 or 7 months and it is more sophisticated with previous address checking and also as highlighted the adverse questions..I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0
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