Halifax with underwriters Time scale?

michaeljpconlon

Hi

I've had my AIP / DIP from halifax about 3 weeks now, via my broker i've put in full application. He said its now in processing, and with the underwriters.

Does anyone know the timescale for the underwriters at present, i'm so anxious about this - didn't think i would be. argh!

ap1985

Unfortunately, the timeframe can vary case by case. It all depends on how complex your case is..Good luck with it all

michaeljpconlon

Thanks for the reply, much appreciated.

Lizbragg33

Me timescale below may help but with NatWest:

Underwriters looked at first thing Monday and asked for more payslips and credit card balances. Sent straight away. They looked at yesterday afternoon and they approved this morning. Quick so far.
We sent the application last Thursday.

Hope you get a quick answer. The waiting killed us haha.

michaeljpconlon

Thanks for the reply. Much appreciated - its amazing that when you find a place that could be home how slow time goes waiting on decisions. Fingers crossed it won't be too long.

M

kingstreet

What is in the case which has required underwriter intervention?

Halifax system is mostly automated and UW is only needed for issues such as unusual income or adverse credit.

michaeljpconlon

my only issue is that I'm not on the electoral register. I have submitted all my forms to the electoral office a few weeks back. In my naivety i didn't realise it was an issue. Im hoping thats all the case. I've no adverse credit but I've also not taken out any credit in years.

ShivasPlace

I assume the valuation hasn't been done or payment taken?

kingstreet

ShivasPlace wrote: »

I assume the valuation hasn't been done or payment taken?

You can't submit a Halifax application without paying the valuation fee as a minimum.

kingstreet

michaeljpconlon wrote: »

my only issue is that I'm not on the electoral register. I have submitted all my forms to the electoral office a few weeks back. In my naivety i didn't realise it was an issue. Im hoping thats all the case. I've no adverse credit but I've also not taken out any credit in years.

I can't remember that ever being an issue on one of our cases...