mortgage offer on the way finally

kingstreet

I give a copy of the fact-find at the second appointment when I do the mortgage application and offer a copy of the mortgage app to everyone.

It's easier when you are using an online system to submit it, because you can email a copy of a .pdf, for example, to the borrower quite easily.

kingstreet

TBH you can give a copy of the handwritten form to the borrower at the time, but submit different information online when you type it in.

A crook can always find a way to do something underhand, if he really wants to...

smacky

you are right king street , thats what has happened to my santander application 99%, coz they(inhouse advisor) wouldnt give copy or reference no to my santander app to my new broker

if mortgage doesnt go thru , ill well accept it that major part of it is due to my credit history

:-(

smacky

hey guys

just noticed an equivalent funds to valuation fees has been charged to my halifax current account, so i guess valuation is being arranged and credit check has been performed??

kingstreet

Yes. Fee payment will not be requested if the credit score isn't passed.

smacky

hey King

finally some hope , as u said its like passing each hurdle , happy to see they dint decline right away with no docs or information

smacky

i see an unrecorded enq from Cheltenham & Glouceste now , wud it b tha halifax declined AIP ? coz my money for valuation is deducted but there s still no full app search reflecting on my experian

smacky

valuation on monday , still cant see full search on report :-(

smacky

valuation today :-)

smacky

Hey Guys

Valuation report came today

although we dint request Homebuyers report, it was standard vlauation by HALIFAX

it came up as the value is right !! although some matters pointed out

1. There is dampness in grd floor walls and cud have affected timbers in contact

2. the property has suffered previous movements, although there is no evidence if it still ongoing ??


what shud be done in such case

regards