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New mortgage process
Comments
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Ask them for a copy of the initial DIP certificate...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.0
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11k worth of defaults in last 2 years. I would be amazed if this was offered.
I hope for your sake I am wrong.I am a Mortgage AdviserYou 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.0 -
thats what i thought GMS - i was surprised i passed the soft search - and since our broker has told me categorically that i have passed the "hard credit check" (i have questioned this several times) im hoping there arent just telling me what i want to hear.
clinging onto the fact that they wouldnt charge & set a valuation date if they have seen my credit score.0 -
11k worth of defaults in last 2 years. I would be amazed if this was offered.
I hope for your sake I am wrong.
I don't believe you are GMS.
I cannot see why an applicant with that profile would even be submitted to Halifax.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 -
Thanks everyone for advice/information
Just had the brokers on saying Halifax have assesed me & valuation is booked for tomorrow.
All they have asked for is a standard letter from my employer to confirm i worked there still which isnt a problem.
Asked her if anythin else is likely to be asked for & she said no - they just need this standard letter & valuation to be ok so fingers crossed - still not 100% sure - but time will tell0 -
just to update you guys - i recieved my mortgage offer this morning from the halifax...made up!!!
thanks for all the help everyone!!0 -
This fills me with confidence! I have 1 late payment, only a month on my credit card! It was paid as soon as I knew but I havebeen panicing that I may be declined when our app goes in on Monday - tense times!0
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