Halifax mortgage applications thread!

catflow

Hi my halifax story is as follows.

18/08 offer accepted
20/08 full application made
1/09 survey and valuation completed
2/09 recd above reports and email to say mortgage offer sent to solicitors

kingstreet

Submitted a Premier case today.

Notified the valuation is being done tomorrow and uploaded documents immediately.

Arina

chanz4 wrote: »

myn was the same day heard back, however beware halifax do random credit checks before completion a few days

Yes we are aware of this!! We are not going to touch or take out any new credit till completion! (If we get that far )

Arina

catflow wrote: »

Hi my halifax story is as follows.

18/08 offer accepted
20/08 full application made
1/09 survey and valuation completed
2/09 recd above reports and email to say mortgage offer sent to solicitors

Wow! Super quick! Well done. When are you aiming to complete?

catflow

Well I work in a school so have no time off now until October half term so need it to be around then. The property we are moving to is vacant and we are ftb in rented so hoping to speak to solicitors tomorrow to discuss dates!!

My solicitors seem to be slow is responded so still some sleepless nights to come I think!!

Kim_35

Evening All Update as follows!


Called yesterday from Halifax processing team saying that they have had to request an employment reference for my other half as he is weekly paid, and also has weekly overtime, weekly bonus & weekly shift allowance therefore they need set in stone figures from his employer. She did confirm that everything looks set to go once they get this and that there are no affordability issues etc. Other halfs employer been in touch to say they will be faxing over the documents to Halifax tomorrow so fingers crossed! Although Halifax said that we may still have another 2 weeks to wait until out case comes up in her queue again? So will be chasing for an answer as FTB we are in rented accommodation it looks like we may have to put the move date forward 4 weeks


Updated time time below:


13/08 - AIP with Halifax - called direct to them
16/08 - Full Application
18/08 - Sent Pay Slips etc over
20/08 - Contact from Halifax saying to resend as fax docs were unreadable
27/08 - Contact from Halifax confirming docs arrived and to be processed
29/08 - Called to complaints after 4 hours trying to get through as processing extremely busy & told someone will be verifying my details on Monday 1 Sep & will be called with an update
01/09 - Call from Halifax processing team to advise of employer reference for other half but that is all that is holding it up.


Apparently it doesn't always go to an underwriter is that correct? The lady told me that once they reference is there and she enters the figures we should be good to go?


More sleepless nights!! Im exhausted & will never go though this again if I can help it!!xx

Kim_35

Arina wrote: »

Little update from me. Just had a phone call from my mortgage broker that the valuation will be taking place today! Hope it all comes back ok. Fingers crossed! Here is my updated timeline:

Received DIP with halifax: 16th August 2014
2 searches showing up on Experian (RBS - MORTGAGE QUOTATION & HALIFAX - ID GENERIC CHECK): 16th August 2014
Offer accepted on property: 18th August 2014
Full application submitted: 26th August 2014
Valuation funds taken from account: 28th August 2014
2 searches showing up on Experian (RBS - MORTGAGE QUOTATION): 29th August 2014
Valuation booked: 2nd September 2014

When do I hear back the results from the valuation.. Anyone know? xx

Wow looking like its going great for you now!!xx

Kim_35

catflow wrote: »

Hi my halifax story is as follows.

18/08 offer accepted
20/08 full application made
1/09 survey and valuation completed
2/09 recd above reports and email to say mortgage offer sent to solicitors

Congratulations

Arina

Just received a phone call from my mortgage broker that out mortgage has been offered!!!!! The valuation was only done yesterday! Sooo happy right now! He also said we should receive the hard copy in the post shortly and a copy will also be sent to our solicitors!

Here is my updated timeline!

16/08/14: Received DIP with halifax
16/08/14: 2 searches showing up on Experian (RBS - MORTGAGE QUOTATION & HALIFAX - ID GENERIC CHECK)
18/08/14: Offer accepted on property
26/08/14: Full application submitted
28/08/14: Valuation funds taken from account
29/08/14: 2 searches showing up on Experian (RBS - MORTGAGE QUOTATION)
02/09/14: Valuation booked (Valued at the sale price!)
03/09/14: OFFER ISSUED!!

vzbfhr

Hi Guys

Im in the same boat so thought i'd add mine on too :-)

We're after a 240K house with 36k (15%) Deposit.

Offer on our house (selling) - 15/08
Buyers valuation on our house - 19/08 (all good!!)
Our AIP applied for and approved - 19/08
Offer on the house we're buying accepted - 26/08
Full mortgage application applied for - 02/09

Fingers crossed!!!!