Halifax Mortgage 'decision in principle' credit check

Din85

Halifax never checked call credit when going through our application.

They used experian, don't know about Equifax.

gmtrack

Hi Din thanks for your prompt response, i am booked this afternoon with one of halifax mortgage advisor, she is going to run full application today,i was worried since seeing call credit file that the application would be rejected, i have raised those issues with call credit they said it will take min 28 days to resolve them and theres is no gaurantee that default will be removed, but my situation is the property developer has only given me 28 days to xchange the contract or i loose the property, if it is definite that halifax will only check experian in their full application search then i will go ahead with it if they use call credit i am might be in trouble, can anyone please advise the full application process in more details reg credit searches, sorry mortgage process is very nervy...

gazfocus

We applied for our mortgage on 17th January and on 22nd Jan and 13th Feb the Lloyds Banking Group searches showed up on my Call Credit report (via Noddle).

gmtrack

hi All,

just to let you know the progress of my mortgage application, it passed the credit check and i have been told that the application would be handed over to processing team, now I am still hoping that it goes fine all the way through to exchange of contract, can any one advise that, is it the final mortgage offer or halifax can still change their mind and pick up on any thing else.

Mortgage_Mark_2

Even when you've got the final mortgage offer, Halifax can still withdraw it if they want to...

Din85

gazfocus wrote: »

We applied for our mortgage on 17th january and on 22nd and 13th Feb the Lloyds Banking Group searches showed up on my Call Credit report (via Noddle).

Through Lloyds or Halifax ? (I know they are the same group) i had nothing from lloyds banking group anywhere.

Searches where only from bank of Scotland and Halifax mortgages.

We applied December 2013 and had the offer January.

gazfocus

Din85 wrote: »

Through Lloyds or Halifax ? (I know they are the same group) i had nothing from lloyds banking group anywhere.

Searches where only from bank of Scotland and Halifax mortgages.

We applied December 2013 and had the offer January.

Mortgage through Halifax and have had credit searches from Halifax, Bank of Scotland and Lloyds. Halifax and Bank of Scotland were all unrecorded enquiries (still not had a full search) and Lloyds was an 'Administrative Review'.

kingstreet

Some DIP and App results now display the phrase "this application will be checked for total debt to Lloyds Banking Group" or something like that, so that may trigger an additional internal search.

gmtrack

I applied to halifax and i checked my credit files today, there are no searches on equifax but experian has four searches two from halifax 1, Id generic check,2 unrecorded enquiry with loan amount, and twofrom bank of scotland 1, mortgage qoutation that was showing there already after Dip, 2 first mortgage hard search. I spoke to halîfax they said file is now with processing team

gmtrack

Processing team called today and rejected my application due noodle call credit defaults