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Halifax mortgage process - FTB
Bandy1987
Posts: 18 Forumite
Hi,
I've applied for a mortgage with Halifax yesterday using a MB, during the application the MB call Halifax to run through the paperwork with them and based on this a valuation was booked for Monday....which is quick.
does this mean we have passed as class A with Halifax?
Can anyone give me information on the actual process with Halifax, as well as how long it usually takes and any person experience with timelines.
Thanks in advance
I've applied for a mortgage with Halifax yesterday using a MB, during the application the MB call Halifax to run through the paperwork with them and based on this a valuation was booked for Monday....which is quick.
does this mean we have passed as class A with Halifax?
Can anyone give me information on the actual process with Halifax, as well as how long it usually takes and any person experience with timelines.
Thanks in advance
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Comments
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Should be offered Mon/Tues.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.0
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I am also in same boat, valuation supposed to be today, not sure what happens after this!0
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Other than payslips p60 bankstatment etc was there any additional info u were asked for?
Or was it exactly likemine has been?0 -
Haven’t been asked for anything out of the ordinary, like you we also used a broker, without sounding stupid what do you mean by passed as a Class A by Halifax? We were advised by our broker that they were happy with what had been sent and pending valuation it would go to offer0
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Apparently halifax have three ratings A, B, C....just somthing I have read on MSE!
B and C ratings are scrutinised by the unerwriters....again just somthing i have read second hand!0 -
The house was valued this morning and we recieved the offer this evening! Cant fault the MB and Halifax!0
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Sometime I feel like I'm talking to myself...kingstreet wrote: »Should be offered Mon/Tues.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.1 -
Ive doubted everything ive ever been told
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Hi bandy, glad to hear you got what you wanted hassle free, Im in the smoke position at the start and have provided one payslip, seems very minimal. what all was required from you and what hoops where you asked to jump trough?0
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Hi, i was asked to provide payslips for 3 months, bank statments for 3 months and P60 and nothing else!
They said that when the valuatiob is bookee youve basically got the mortage subject to valuation....however i doubted every step and second guessed everything....now i just think why did i worry so much!
Good luck going forward!0
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