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Halifax Initial fees question

ComputeAngel
ComputeAngel Posts: 119 Forumite
edited 13 January 2015 at 10:24PM in Mortgages & endowments
Hi,

Couple of quick questions.

- Does anybody know which credit reference agency Halifax use for mortgage application?

- I have received a payment reminder from water company in Oct 2014 but i paid in full after I received this. Will it create any problem for me?

-If there is a initial fee on product and i decide to add that to mortgage and if mortgage application fails (e.g. sellers pulls out or something), do i have to pay this fee? The product i am choosing have a £1499 fee associated with it.

Thanks

Comments

  • amnblog
    amnblog Posts: 12,771 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Halifax use Experian, Equifax and Call Credit.


    A payment reminder is unlikely to be shown as a blemish on your credit file
    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.
  • kingstreet
    kingstreet Posts: 39,352 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ComputeAngel wrote: »
    If there is a initial fee on product and i decide to add that to mortgage and if mortgage application fails (e.g. sellers pulls out or something), do i have to pay this fee?
    No. if it's added to the loan on completion, failing to complete means there would be no charge.
    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.
  • ComputeAngel
    ComputeAngel Posts: 119 Forumite
    amnblog wrote: »
    Halifax use Experian, Equifax and Call Credit.


    A payment reminder is unlikely to be shown as a blemish on your credit file

    So do they use all three services. I thought banks only stick with one CRA.
This discussion has been closed.
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