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Broker said there wasn't a snowballs chance

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Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    melhuish77 wrote: »
    Just a quick update, halifax have contacted my wife's work to check her salary and the account numbers of the creditors we intend to pay.
    Seems like a good sign?

    An underwriter will require all the information to hand prior to making an informed decision.
  • hoops77
    hoops77 Posts: 63 Forumite
    Update
    Spoke to the halifax progression team today who have told me the mortgage is authorised subject to my wife's salary being correct.
    Is that a yes???????
    Wow this will be the death of me
  • ACG
    ACG Posts: 24,690 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Is your wifes income correct?

    The answer to that will be the answer to your question.
    I am a Mortgage Adviser
    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.
  • hoops77
    hoops77 Posts: 63 Forumite
    Just to let everyone know
    We had our mortgage offer today and have a moving in date of the 25th.
    Thanks for everybody's kind words and advice it helped a lot.
    Today we are a very happy family it's life changing for us.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    melhuish77 wrote: »
    Just to let everyone know
    We had our mortgage offer today and have a moving in date of the 25th.
    Thanks for everybody's kind words and advice it helped a lot.
    Today we are a very happy family it's life changing for us.

    Make the most of the chance and don't make the same mistakes again. You've made a sensible decision at the right time. Others I fear will leave making difficult decisions until it's too late.
  • hoops77
    hoops77 Posts: 63 Forumite
    Thrugelmir wrote: »
    Make the most of the chance and don't make the same mistakes again. You've made a sensible decision at the right time. Others I fear will leave making difficult decisions until it's too late.

    Thanks mate, love your honesty mate
    You tell it as it is not what you want hear.
    This website is amazing wish I had learnt about it sooner.
    My whole outlook about money and credit has changed.
    In a month I have taken my experian score from a embarrassing 320 to 608, had 1 default removed a ccj removed. And have paid two creditors in full.
    Thanks thug were gonna take this chance with two hands
  • ACG
    ACG Posts: 24,690 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Good to hear!
    I was sitting on the fence with this a little, I did think it would go through but there is always that little bit of doubt where you think a lender might be lacking common sense.
    I am a Mortgage Adviser
    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.
  • hoops77
    hoops77 Posts: 63 Forumite
    ACG wrote: »
    Good to hear!
    I was sitting on the fence with this a little, I did think it would go through but there is always that little bit of doubt where you think a lender might be lacking common sense.

    Thanks buddy
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