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Halifax Hard Search
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seoxpert
Posts: 41 Forumite
Hi.. I had AIP from halifax a few week ago, my broker submitted full application yesterday and I can see a hard search from halifax for "First Mortgage"... Does that mean the application is seen by underwriter? If yes, jow long does it take for them to progress to offer?
Also, majority of people in this forum who have successfully received offers were not harfd searched by Halifax, is that common?
Thanks
Also, majority of people in this forum who have successfully received offers were not harfd searched by Halifax, is that common?
Thanks
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Hi.. I had AIP from halifax a few week ago, my broker submitted full application yesterday and I can see a hard search from halifax for "First Mortgage"... Does that mean the application is seen by underwriter? If yes, jow long does it take for them to progress to offer?
It means it has been seen by a computer.Also, majority of people in this forum who have successfully received offers were not harfd searched by Halifax, is that common?
They were all hard searched by Halifax before formal offer. If they thought they weren't they were wrong.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 amnblog. Now, as I have passed the hard search, how many percent of halifax applications go to underwriter for manual check?0
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Also, at which stage Halifax instruct survey?0
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As soon as the application is submitted the system instructs the valuer when the broker route is used.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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But my broker is saying we probably need to wait till Friday and once Halifax says then valuation will be instructed?0
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So they aren't going to submit the application until Friday?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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We submitted our full application to Halifax a couple of weeks ago (via a broker)
Halifax then came back and asked for more documents from my partner (I think because he doesn't bank with Halifax)
They had everything last week
Still not heard about the valuation/survey yet0 -
We applied and paid for the survey on 27th November, so 2.5 weeks now0
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Thanks chelseablue. Did you see a hard search from Bank of Scotland? I am very confused, I got a hard search the day my application was submitted and valuation is not instructed (but got the hard search).
Perhaps thats how my broker works with Halifax?
Thanks0 -
Just to update.. Payment for valuation taken from account today.. Are these any good news?0
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