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How to approach mortgage underwriters
Armst2k
Posts: 21 Forumite
Hi.
Can someone help? How do I approach the underwriters for Halifax Mortgages. The declined our mortgage application, but I was advised to approach the underwriters.
Anyone any experience with this?
Can someone help? How do I approach the underwriters for Halifax Mortgages. The declined our mortgage application, but I was advised to approach the underwriters.
Anyone any experience with this?
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Comments
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The underwriters won't speak to you. What grounds were given for the decline.0
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yes, brokers have experience of this - use one.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Who advised you to "approach the underwriters?"
Did you apply directly, or via a branch or intermediary?I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Applied directly.0
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You won't get access to an underwriter directly.
You will need to use your usual contact centre and tell them you wish to appeal the decision.
This will be passed to an underwriter who will uphold the original decision, or ask for documentation/information to support your appeal so it can be reconsidered.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Your default sounds like the problem - when was it, how much for, and have you paid it.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Right. So this is a direct to Halifax port with a default.
Is the default visible on all three versions of your credit file? As amn asked, how much, when registered and by whom?
Start thinking about an independent broker who will be able to place this case for you.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
See the thread about porting KS.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Default £331 back in 2012. But account was closed in 2010. It looks like They only recorded it on experian in 2012. Phoned to ask why but no one really knew. There is no balance on it now.
We didn't even know about it until Halifax suggested we get our experian reports.0
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