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Mortgage nightmare

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Comments

  • Casa1862
    Casa1862 Posts: 44 Forumite
    What lender?
  • stranger12
    stranger12 Posts: 558 Forumite
    The one that prides it self in caring for people

    Halifax

    The stealers
  • David_White
    David_White Posts: 892 Forumite
    Fourth Anniversary 500 Posts Combo Breaker
    Did anything happen to your credit profile after submitting the application... missed payment, applied for further credit etc?
    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.
  • stranger12
    stranger12 Posts: 558 Forumite
    Nothing what so ever

    Only change was a new account which i opend with halifax 10 days prior to applying was reported to credit agencies

    They knew about that as they can see that on their internal system
  • Bravestar
    Bravestar Posts: 89 Forumite
    stranger12 wrote: »
    We passed the agreement in principle stage

    They did the full application and sent me a full offer on 90% ltv!

    Any lender can withdraw any offer made until the day the actual advance is made.

    They don't usually do so, unless some adverse information comes to light about you after the offer is made, be that something you didn't disclose at application or a change in circumstances that you would not have been aware of at time of application.

    But withdrawal of offers were very frequent during the last financial crash ... which left a lot of people, many of whom had already exchanged contracts in a very sticky situation indeed.
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