Full mortgage application in halifax

putopao

Hi,
We are FTBs, our broker just submitted a full application for mortgage in Halifax on friday and i am really anxious how it will turn . We had an AIP up to 410k but we only need 375k for the property. How likely are we to be approved and how long before they make a decision? Cant sleep peacefully at the moment. Pls help

Carl2510

Shouldn’t be a problem, if your asking for less, as long as everything you’ve told them regarding your credit matches what they find.

Ohfeelya

For another data point. My full application to Halifax went in on a Thursday, valuation took place on the following Thursday. I had the full offer on the following Monday.

Hope that helps! 

Serdar048

putopao said:

Hi,
We are FTBs, our broker just submitted a full application for mortgage in Halifax on friday and i am really anxious how it will turn . We had an AIP up to 410k but we only need 375k for the property. How likely are we to be approved and how long before they make a decision? Cant sleep peacefully at the moment. Pls help

Hi we are ftb and we applied with ma in halifax directly without mb and putted full application on last thursday they told me credit check passed and they took 200 valuation fee they said they will let me know once valuation booked but not heard anything since im same can’t sleep and stop thinking it even we passed credit checks and they want to do valuation i guess they are good sign but i dont know what they gona say good luck with your application 

Serdar048

Ohfeelya said:

For another data point. My full application to Halifax went in on a Thursday, valuation took place on the following Thursday. I had the full offer on the following Monday.

Hope that helps! 

Hi congratulations im just wondering about my application we have done on thursday full application with my wife and ma told me passed credit checks and i saw on my credit report one hard check and 4 soft checks they took valuation fee just waiting valuation how was your process as im really stresfull do they did anymore checks after valuation ? Thank you

putopao

Hi, thank you for the feedback. I saw in my husband’s report that they already did a hard check on him. But not in my report yet? Is that normal ? 

Serdar048

putopao said:

Hi, thank you for the feedback. I saw in my husband’s report that they already did a hard check on him. But not in my report yet? Is that normal ? 

Its same on our credit search i have total 4 soft searches and 1 hard search from them says checking credit application on hard check but on my wife only soft searches been made i dont know if its gona appears on credit report a few days later ...

mard3010

Good morning, 

My and my partner (FTB) applied with halifax las Wednesday and got now 6 hard searches on Credit Karma and 1 Hard on Experian.

Is that normal? We have paid the valuation fee but not booked yet as the Broker said he needed the go ahead from solicitors, is it that normal.? As solicitors said they wanted the mortgage offer to carry on.

Cheers,

putopao

Any updates?

Serdar048

putopao said:

Any updates?

My ma just told me they couldn’t get answer from vendor to book valuation but i asked them they told me no one call them yet so give their mobiles again to my ma so she said passed to the their team still waiting to valuation be booked 

mard3010

My broker just told me they are not "underwriter checks" (No idea what that means) as I have a notice of correction on my credit file, but it is about that I cannot register to vote as I am not UK citizen therefore I am not registered in the electoral roll. Broker said it will take now 2 days to come back with a decision.