Mortgage problem

ss234

hello there
there was a delay with halifax offering me a mortgage after the survey for the property was completed , so I decided to call up Halifax to find out why it's taking that long, Halifax just told me now that they Will review my case by Monday and will make a decision after 15.00. What does this means?, is this normal

or there has been a problem with my mortgage application

is it likely that they will ask for a bank statement or a p60, they have already asked for the proof of my income (pay slip) so on monday will they ask for more document?

kingstreet

When was the valuation done and when did it arrive at Halifax?

We have virtually no way of commenting on the mechanics of your actual case as we don't know what has happened and when.

You appear to have a broker involved. Ask them when the valuation was done, when it got back, what the valuation figure was and if there are any essential repairs required.

Your case may simply be within the usual timescales and service level agreement with Colleys.

ss234

The survey of the property was conduced by halifax on 17th of july and there was no major works required as i checked it thoroughly. on the 25th of july halifax asked for a up to date proof of income so i sent it by 1st august, I called yesterday an they said we will make a decision by this monday 15.00. What i dont understand is why would they ask for these document after the survey is complete and what decision they want o make by 15.00?

kingstreet

No idea. Sorry.

Sign off your up to date payslip?

Can only suggest you ask your broker.

_Andy_

"Halifax just told me now that they Will review my case by Monday and will make a decision after 15.00."

Presumably that they will review your case by Monday and make a decision after 3pm

ss234

can i ask, do halifax ask for more documents after the survey is complete for the property

JC509

Hi, My experience was the offer was made 12 days after valuation.

If they were able to tell u the exact day when u will hear from them of the decision, ur offer should be ok, as they won't tell u when u will hear from them if they require more documents or any problem, becoz if they need anything or has any problem they will be in contact straight away. Just like in my case I chased them after 10days of waiting, then they told me I will hear from them the next morning for the decision. They rang the next morning telling me my mortgage was successful. I think the delay just becoz of they are very business atm and lots of ppl is on holiday at this time of the yr.

I hope everything goes well for u . :beer:Fingers crossed for u.

ss234

Hello guys
Halifax got back to me today, what they said to me is your mortgage application is going through further checks so we will need 3 months bank statement, 3 months payslip, passport.
It sucks, i have already provided them with the documentation before now they apparently want to verify it.
Can somebody tell me what will happen, an why does halifax require more documents, are they suspicious of some sort???