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Halifax Mortgage Process

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  • Mrsrjo
    Mrsrjo Posts: 29 Forumite
    Oh that's good then! They are coming to value mine 26th (I'm a FTB but it's right to buy so coming to my house) I'm hoping I can ask them before they leave what the value is! Hope you dont have to wait too long. I've seen people say they've had offers within 48 hours of the valuation taking place.
  • ap1985
    ap1985 Posts: 325 Forumite
    I don't have much patience in me either so hope that is the case :) Keep me updated on your case, hope all goes well!
    :jFinally going to be a homeowner:T
  • Mrsrjo
    Mrsrjo Posts: 29 Forumite
    Will do! And you! :)
  • ap1985
    ap1985 Posts: 325 Forumite
    Hi all,


    So I received my valuation report from Halifax on Saturday 17 September and this was satisfactory. I called my broker today for an update and he said that the case has been sent back to the Underwriter. Is this standard practise?
    :jFinally going to be a homeowner:T
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    We didn't receive an offer until a week after valuation so perhaps this is normal - I wasn't told specifically why it took so long so I can't be of a lot of help at this point! Fingers crossed it is quite quick for you from now :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • ap1985
    ap1985 Posts: 325 Forumite
    Thank you Kirsty. Hopefully there is nothing to worry about :)
    :jFinally going to be a homeowner:T
  • kingstreet
    kingstreet Posts: 39,258 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ap1985 wrote: »
    So I received my valuation report from Halifax on Saturday 17 September and this was satisfactory. I called my broker today for an update and he said that the case has been sent back to the Underwriter. Is this standard practise?
    Yes. It has to be signed-off at each stage if referred at submission.
    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.
  • ap1985
    ap1985 Posts: 325 Forumite
    Thank you Kingstreet
    :jFinally going to be a homeowner:T
  • ap1985
    ap1985 Posts: 325 Forumite
    Does anyone know the current processing times for underwriters at Halifax at present?
    :jFinally going to be a homeowner:T
  • ap1985
    ap1985 Posts: 325 Forumite
    After all that my husband and I finally received our mortgage offer this morning. Thanks to all those on this forum that kept me sane and gave me advice :)
    :jFinally going to be a homeowner:T
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