We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

DIP from Nationwide going with Halifax?

seoguy
seoguy Posts: 22 Forumite
in Mortgages & endowments
Hi, I had a DIP from nationwide a few weeks ago with two hard searches from them and one for nationwide flex current account. Due to some criteria problems with NW I am going with halifax got an AIP from halifax today and booked an appointment at branch for Thursday.

My question is: Will I get declined because of 3 hard nationwide searches on my credit file 2 weeks ago ?


Thanks!

Comments

  • gentlewoman
    gentlewoman Posts: 43 Forumite
    seoguy wrote: »
    Hi, I had a DIP from nationwide a few weeks ago with two hard searches from them and one for nationwide flex current account. Due to some criteria problems with NW I am going with halifax got an AIP from halifax today and booked an appointment at branch for Thursday.

    My question is: Will I get declined because of 3 hard nationwide searches on my credit file 2 weeks ago ?

    If I were you I would enlist the help of one of those independent brokers at this stage and stop applying for AIPs... a good broker will know which lender is more likely to lend to you.
  • seoguy
    seoguy Posts: 22 Forumite
    PS: The AIP with halifax offered a 75% LTV and require 1 payslip. I believe its a C pass?
  • ACG
    ACG Posts: 24,744 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Halifax criteria
    All customers must make a minimum personal deposit for the property relevant to their individual credit score, product or scheme. No element of this deposit should be represented by a personal loan.
    From what I recall, its not a joint application and your deposit is with your partner?
    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.
  • seoguy
    seoguy Posts: 22 Forumite
    No its a sole application. And the issue was visa with NW. Halifax are OK with less than 6 months on the visa.
  • seoguy
    seoguy Posts: 22 Forumite
    ACG: Can you please let me know if those NW searches will have any affect the full application with Halifax?
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.4K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.3K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture