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Halifax mortgage offer withdrawn after confirmation of funds
Comments
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Apologies if this is genuine and has been lost in translation, but none of this adds up with my considerable experience with Halifax.
Oh and I was just waiting for you to say you were exchanging and completing on the same day.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 -
I can understand this may see far fetched, but I promise you, this is the unfortunate circumstance I have found myself in. The reason for the exchange is after they issued the faxed confirmation, they called my solicitor and advise not to exchange if not already done so, as they are auditing the case. So I was hoping to exchange and complete the same day after the extra time this audit / withdrawal / and appeal took. I am visiting rbs on Monday to secure another mortgage. I understand I'm new here, and infact had this situation not arose, I most probably wouldn't of visited this forum. I have no intention in not fully explaining, or telling porkies, as I'm searching for an honest answer; and help to my situation. And if I stand no grounds to improve this situation with Halifax, to aware other potential customers of Halifax my experience with them.0
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What type of mortgage are you applying for? As you mentioned you already have a mortgage...An opinion is just that..... An opinion0
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To buy a new home, and I've already have let the other house out. I have a sizeable "equity" on other property, and small monthly mortgage payments, which are covered entirely but the rental income, and have sufficient employment income for the affordability of both mortgages. They offered my £300k, I only wanted to borrow up to £124k0
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To buy a new home for what? To live in? To rent?An opinion is just that..... An opinion0
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To Live in.0
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Please can someone advise me as to where I stand legally as a result of this conduct?0
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Legally, the lender has the right to withdraw a mortgage offer at any time, right up to completion.
Refund of fees paid is something you will have to discuss with them.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Even though they paid out the deal? They confirmed that the chaps payment has been set up0
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Shoe_size25 wrote: »Please can someone advise me as to where I stand legally as a result of this conduct?
Your solicitor is best placed.0
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