Decision in Principle - mortgage with halifax

Chunkymuppet

Help! I already have a mortgage with Halifax fianc! sold his property we want to buy another house for 165k. I am in process of selling mine for 87. He had 60k from his sale. We have an AiP from the halifax. Stupidly I had a number of wonga loans last year and although they are settled. Would this have be picked up in initial AIP check????
If this fails fiance will try and apply on his own. In such a state please advise

Thrugelmir

Wonga is a lender of last resort. So what else does your credit file contain?

Chunkymuppet

Only 2 late mortgage payments in 10 years and 1 default

Chunkymuppet

First we went thro estate agent broker who was about as much help as a chocolate fire guard then I applied direct as wasn't getting anywhere with broker. Do I need to go through an IFA. Or wait till I get a decision from underwriters? Or should my fiance approach his own lenders??? I'm so confused

dunstonh

Do I need to go through an IFA.

Most IFAs are not mortgage brokers. Although many will employ mortgage brokers or have a local referral point.

An estate agent broker is the worst place to go. Awful reputation (apart from small independents who use local advisory firms)