Halifax Mortage application

WCN87

Mortgagewanted2016 wrote: »

Mine is FINALLY with the underwriters now as they at long last have my pay details, they had to resend them as they were lost... Why stiff can't just be scanned and emailed is beyond me, but hey-Ho never mind should hopefully know some point this week if I'm getting some shiny new keys ������

That's great news, I will hold thumbs for you! Our valuation is this Thursday.

nkkingston

Application went in via broker last night. She said she'd ring us with an update today, though I can't imagine what she'd have to update us about so quickly. We're awkward squaddies too - one funded PhD (which only 12 lenders even count as an income) and one fixed term contract.

Belloubec

We have just applied for a mortgage with Halifax too...so far so good but i really think this is due to our Mortgage Broker he has been excellent so far. Before he submitted the application he literally had every bank statement, ID, Payslip and everything in between which was a pain at the time but was totally worth it now. Timeline;

16th February - Full application submitted, MB spoke with underwriters direct and subject to property valuation all agreed from credit and affordability prospective
18th February - Valuation is being completed

MB is confident that as long as the valuation is OK we will have a formal mortgage offer by 19th February. Keeping my fingers crossed!!

deegsy

Belloubec wrote: »

We have just applied for a mortgage with Halifax too...so far so good but i really think this is due to our Mortgage Broker he has been excellent so far. Before he submitted the application he literally had every bank statement, ID, Payslip and everything in between which was a pain at the time but was totally worth it now. Timeline;

16th February - Full application submitted, MB spoke with underwriters direct and subject to property valuation all agreed from credit and affordability prospective
18th February - Valuation is being completed

MB is confident that as long as the valuation is OK we will have a formal mortgage offer by 19th February. Keeping my fingers crossed!!

Wow i need your MB he sounds amazing

nkkingston

Ours went to the underwriters yesterday, and the valuation is booked for the 25th! they need bank statements to show the deposit, which is proving a bit of a pain because we moved our portions of the deposit into the joint account so we could give evidence to the estate agent, but it's happened after the last statement for the ISAs and before the next statement for the joint account, so it's proving hard to get it to appear on any paperwork! Going to have a chat with the bank later to see if that can give me something official looking.

serious_saver

We have a mortgage with Halifax. Our original mortgage was done through a broker.

We have just arranged a mortgage with them for a second property and an extension to the mortgage on our first house for deposit.

Our adviser was very helpful and I can't complain about my experience with them.

Mortgagewanted2016

Woohoo, mortgage offered today, it's in the post... To say I'm relieved is an understatement, feels like all that stress and worry was worth it now, hopefully be in before Easter, let me know how you all get on :beer:

WCN87

Mortgagewanted2016 wrote: »

Woohoo, mortgage offered today, it's in the post... To say I'm relieved is an understatement, feels like all that stress and worry was worth it now, hopefully be in before Easter, let me know how you all get on :beer:

Wooohoo well done. Happy for you, my valuation came back satisfactory this morning and with underwriter, should hear back by close of play Tuesday i am told.

Mortgagewanted2016

Fingers crossed for you, I'm sure you will get the result you want :beer:

Belloubec

We have had our mortgage off through today too. Copy via email from our broker and hard copy in the post! Absolutely thrilled - so submission to offer was 4 days!