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Halifax interview
John424
Posts: 143 Forumite
Just sitting through a mortgage review with Halifax, help! It's taken an hour, wants to know my holidays, more children expectations, memberships of clubs etc etc. Really? I have been a customer for 8 years, never defaulted, have a mortgage to income ratio of 1.8 and 45% equity and am an Accountant - spare me!
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Comments
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What is the purpose of the review?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
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New regulations they say. Two years ago, I just called them up and they gave me the fix rates on offer within minutes. Now, you have to spend an hour with them on a premium line, cheeky !!!!!!s.0
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Not true.
If you choose the advised route, over the phone or via a branch, Halifax has chosen to interpret the MMR as insisting an affordability check is carried out for a customer retention product, with no increase in borrowing.
To avoid this, you are able to choose a new customer retention product online, without advice. However, this may not be an option if any of your loan in interest-only.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 -
Why didn't you tell me this an hour ago ;-) ? Anyway, he's calling back with some rates soon, they'd better be good.0
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fixed at 1.99 for two years.0
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