Halifax declined mortgage

steve.p09

chanz4 wrote: »

Whats your income, how long you been in work, address, bank etc

Income:

Misses 22k
Myself 23k
Work
Misses employed at the same company 4.5 years
Myself 8 years.

Address
Misses been at same address for 10 years
Myself 2 years.

Bank
Misses Barclays
Myself Halifax.

Kingstreet thanks for that information i was not aware of this so thats good to know. I think i will try and find somebody myself if it comes to it.

To everybody thats replied and offered there help and time i am ready gratefull.

SavingPennies_2

steve.p09 wrote: »

Income:

Misses 22k
Myself 23k
Work
Misses employed at the same company 4.5 years
Myself 8 years.

Address
Misses been at same address for 10 years
Myself 2 years.

Bank
Misses Barclays
Myself Halifax.

Kingstreet thanks for that information i was not aware of this so thats good to know. I think i will try and find somebody myself if it comes to it.

To everybody thats replied and offered there help and time i am ready gratefull.

I have to say you may have found someone helpful at bridgefords, but from my experience (with 2 different branches), I wouldn't go with them.

Are you applying for the mortgage for a house you have already put in an offer for? or is this a mortgage in principle you have been turned down for.

ispookie666

Just put the fear in me about Halifax.

steve.p09

SavingPennies wrote: »

I have to say you may have found someone helpful at bridgefords, but from my experience (with 2 different branches), I wouldn't go with them.

Are you applying for the mortgage for a house you have already put in an offer for? or is this a mortgage in principle you have been turned down for.

We are 1st time buyers and we have put an offer in for the house, but now i cant get a mortgage. Knowing what i do now i should have done it the other way around i suppose.

Allan87

ispookie666 wrote: »

Just put the fear in me about Halifax.

I was the same but it was rather painless. I have 3 credit cards with limits totaling £13k and balances of ~£6k (£5k of which is on long term 0% BT), I also still have 2 student accounts aside from my main current account which have been in the OD since I graduated totaling£2k. I thought I had too much credit available and too much debt outstanding, but my credit reports are clean and was given an offer from Halifax within days of application.

steve.p09

I was also wondering if anybody could actually recomened a broker that could help me out?

Cheers

Dave_Ham

This should be achievable, but my view would be to find a broker recommended for this sort of situation.

Have no friends/family bought a home or refinanced recently to get someone who is recommended?

It is widely regarded that the Estate Agent brokers/advisors are not necessarily the most experienced and certainly not for the tricky cases so would give them a wide berth (nice as they may be)

Best of luck

steve.p09

Thanks

Nobody really knows anyone if im being honest but im sure i will find somebody with a bit of research

Dave_Ham

Good luck - just check terms and conditions that you only pay a fee on success or refunded if not succesful

ispookie666

My fear seemed to have materialised.
what does passed credit check but failed internal check mean with regarding halifax?? Have had no defaults or credit issues, buying house which is half our borrowing capacity. The only caveat is 95% mortgage.
Still in early stages