FTB- Halifax requesting credit report

jennyc85

Hi all,

Just after a bit of advice please..

I've got a mortgage application pending with Halifax - I decided to go through a broker due to my less than perfect credit history.

Got the agreement in principle, found a property & got offer accepted so went ahead with full application.

I have a satisfied CCJ on my file, which I didn't realise I had until I checked my experian a few of months ago, as it was settled outside the court but apparently was too late to stop it being processed, but unfortunately its only showing as satisfied from the date I sent the letter in Jan this year.

This was declared on my application so shouldn't be new news to them. I also have a couple of old defaults for stupid amounts £18 etc to phone companies, and one that I am currently paying back to DCA, so nothing that's not already settled or being paid back and nothing in the last year (apart from the CCJ that LOOKS like it was satisfied in Jan 13 but was actually cleared in 2010.

I have already paid nearly £500 to halifax for the survey's.. question is what is the likelyhood of them turning me down now?? And if they do is that my £500 down the drain even though they gave me an agreement in principle?

Thanks..

Let_Us_See

Normally, the Halifax will only instruct the valuation when the initial underwriting (this would include a credit check) has been completed to their satisfaction - so looking OK. However, still no 100% guarantee, and if declined post valuation, you will forfeit your valuation fee.