We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
So Far So Good
kevsmt5
Posts: 26 Forumite
Hello, so I am currently going through a IFA for a mortgage the DIP came back with Halifax who I bank with for £73955, i found a house for £60,000 so well under the DIP. I have found a convey Ensor and today my IFA is completing the full application with Halifax. My convey Ensor forms have been completed and just need to make initial payment for them to start the searches etc. I am holding off until the Halifax have approved my application in full, so hopefully all will go ok.
Really just came on here so can talk through the process, I declared all correct finance at outset, income 22k, loan 85 and cc o.s 4400 of which won’t be repaid. 10% Deposit all tucked away in savings, I bank with Halifax and have done for 11 years and my loan is with them for 7 years. They even sent a letter 2 month ago asking if I wished to increase my loan up to 18k, so I would hope the full app goes through ok.
What is people’s experience of using Halifax in the past?
Does anyone have and advise etc ?
Thanks
Really just came on here so can talk through the process, I declared all correct finance at outset, income 22k, loan 85 and cc o.s 4400 of which won’t be repaid. 10% Deposit all tucked away in savings, I bank with Halifax and have done for 11 years and my loan is with them for 7 years. They even sent a letter 2 month ago asking if I wished to increase my loan up to 18k, so I would hope the full app goes through ok.
What is people’s experience of using Halifax in the past?
Does anyone have and advise etc ?
Thanks
0
Comments
-
Halifax are generally reliable (provided your IFA is doing their job correctly). If you have queries about what to expect you should ask your IFA as they know the case.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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.8K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.4K Mortgages, Homes & Bills
- 178.2K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards