Halifax mortgage applications thread!

kingstreet

Halifax product fees don't affect the LTV but the increased loan has to fit affordability.

dontfollowme

Having spoken to them I can pay off the product fee after I complete so I may leave my mortgage offer as it stands.

Arina

kingstreet wrote: »

Halifax product fees don't affect the LTV but the increased loan has to fit affordability.

Yes that's right but my mortgage advisor wasn't aware of this

kingstreet

dontfollowme wrote: »

Having spoken to them I can pay off the product fee after I complete so I may leave my mortgage offer as it stands.

Yep. That's what we suggest.

Add to loan, but repay within penalty-free allowance after completion.

Kim_35

Arina wrote: »

Thanks Kim! Any update on your case? X

I've had nothing but bother with Halifax!

Apparently my partners employers reference has been verified but I'm still waiting on someone calling to tell me if it is an offer or not?

Currently on hold to Halifax for an update - numerous emails with no reply

Arina

Kim_35 wrote: »

I've had nothing but bother with Halifax!

Apparently my partners employers reference has been verified but I'm still waiting on someone calling to tell me if it is an offer or not?

Currently on hold to Halifax for an update - numerous emails with no reply

Oh dear. That's not good. How did you get on with the phone call? x

Arina

Received the hard copy of my mortgage offer in the post this morning! I was at work when it came but my husband rang me telling me it was here! I couldn't wait to go home and read it!

So my final timetable update guys then I will be joining the waiting to exchange board!

Good luck to the rest of you waiting xx


Here is my updated timeline!

16/08/14: Received DIP with halifax
18/08/14: Offer accepted on property
26/08/14: Full application submitted
28/08/14: Valuation funds taken from account
02/09/14: Valuation booked (Valued at the sale price!)
03/09/14: OFFER ISSUED!!
05/09/14: Received offer in the post!

Phoebo

Just joined to get me through this mortgage process! Stress!!

Asking for £180k, deposit £50k, LTV 72%.

29/08 - Received DIP with Halifax. (2 searches showing on credit file for Generic ID check & Mortgage Quotation)
02/09 - Full application submitted.
02/09 - Valuation fee taken from account.
03/09 - Survey booked for 10/09 (3 searches showing on credit file for Mortgage Quotation)

Arina

Phoebo wrote: »

Just joined to get me through this mortgage process! Stress!!

Asking for £180k, deposit £50k, LTV 72%.

29/08 - Received DIP with Halifax. (2 searches showing on credit file for Generic ID check & Mortgage Quotation)
02/09 - Full application submitted.
02/09 - Valuation fee taken from account.
03/09 - Survey booked for 10/09 (3 searches showing on credit file for Mortgage Quotation)

Hello! When I was at this stage I heard back a day after valuation that the mortgage was offered! Good luck and keep us posted xx

Phoebo

Will do, thanks Arina. It's so nerve wracking!