Halifax mortgage process how long

JC509

Dear all,

Myself and my partner both have completed a full mortgage application with Halifax and have paid the valuation fee a week ago. I just wondering how long would it takes for the mortgage to be approved?

Also will there be any possibility that it come back as declined? I am very worry about it because we have been declined by Santander about a month ago due to my wages being paid by cash and my partner was just got in the current job for 1 month. Then we put an application in with Halifax this month.

Both of us have a very good credit rating, my credit rating is 852 and my partner's 979. We got through the mortgage application with A passed. We are both first time buyer, the property we are buying is a share-ownership resale property. We have put down 30% deposite.

please help me.....

Tixy

Hi

You would be better posting this again on the mortgage section of the forum here - http://forums.moneysavingexpert.com/forumdisplay.php?s=&daysprune=&f=15

Your credit scores are not really relevant, they are not seen by anyone other than yourselves. It is what is on your actual credit report that is important.
Have you checked your reports with all 3 credit reference agencies? as a mortgage lender will likely check 2 or all 3 of them.

JC509

Thank you for your advise. I have just posted again on the mortgage section.

No, i only use Experian. I tried Equifax before but i found it very difficult to undertand compare to Experian.