Halifax mortgage....been so stressful🤦🏻!♀️

Dimpsmac

Hi everyone, first post and I have been following threads here for a couple of weeks and I have found most of your experiences very helpful.....so my story is that I was fortunate enough to be gifted a house from my dad 2 years ago....house in need of extensive renovation and dad just couldn't keep on top of it so basically gave me my inheritance early.....forever home for me and my family💞....myself and hubby have not had the best credit history and 15 years ago I entered a DMP and my hubby was declared bankrupt.....we have worked hard to rebuild our credit and the last few years have been great for us ....I do have a small default of £164 registered in 2015 and settled early 2016....was actually an oversight when I moved house but still it was money owed. We decided to try for a mortgage, I believe that it's not classed as remortgage on an unencumbered property and we went through a broker....we got a DIP on the 26th March with the Halifax.....full application accepted on the 1st April.....valuation instructed yesterday and booked for tomorrow....50% LTV.....all appears positive although I am waiting for it all to go wrong but that is because of previous experiences, this is the 3rd mortgage application in 3 years.....my actual question is though that I have only had one soft search on my Experian.....hubby has had 6 soft searches and one hard search......I have spoken to Halifax as well as broker who have said that the application is fine, all accepted etc etc.....am I still to be hard checked though or is this common for only one of us to be checked???? Think am rambling now, highly anxious but trying not to worry and hope the valuation goes well tomorrow🤞🏻

FTBbelle

Any update on this? Our broker is trying for a DIP with Halifax for us tomorrow. My partner has 1 default 3yrs ago and 1 CCJ 2.5 yrs ago. Our broker said he spoke to Halifax and they said they may consider us as we already have a mortgage with them but most lenders wouldn't accept us!