Halifax

benheaven

Hi Guys,

Just completed and got the keys to our new house today

Summary of what we took out and credit history:

420k Purchase Price
84k HTB
63k Deposit
273k Halifax Mortgage - 2 Years Fixed 1.49%

I've got 4 defaults from 2011/2012 all now satisfied.
2x Payday loans from 2013/2014

30k outstanding on car finance.

Other half has got perfect credit history.

Thanks,

Ben

Thrugelmir

Joint annual income?

benheaven

46k Basic Salary
25k Self Employment

16k Basic Salary Other Half

BoBaggins

Congratulations �� We're just waiting for house to be finished and then completion. Have mortgage offer already...it's a great feeling isn't it

benheaven

Yes it certainly is! A lot of stress over the last four months with fear of rejection but we got there in the end. We were private renting and now £500 better off a month!

xcmdx

Congratulations!

Did you go through a broker, do you mind me asking who if so?

Pete1175

Benhaven - well done. Do you know if Halifax credit checked you before releasing funds? I've a mortgage agreed with Halifax and recently had a 5 year 8 month default added to my account hitting my credit score massively - due to complete mortgage in June and in fear. Thanks

benheaven

Hi,

Nothing showing on my credit report. I cleared my credit cards before completion as It was on my application.

They do random checks I was told by my brokerS

Thanks