Full mortgage application in halifax

putopao

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Serdar048

putopao said:

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Did yours gone to underwriters ? We were really hoping to get the mortgage offer but when my ma told me gone to underwriter im a bit nervous tbh as all documents i give them okay but still that is a bit scary hoping good news

mard3010

Serdar048 said:

putopao said:

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Did yours gone to underwriters ? We were really hoping to get the mortgage offer but when my ma told me gone to underwriter im a bit nervous tbh as all documents i give them okay but still that is a bit scary hoping good news

We were to underwriters but was due I had a notice of correction about why I'm not in the electoral roll. Valuation is being done today, don't know when we'll hear back. Broker said mortgage was approved subject valuation 

Serdar048

mard3010 said:

Serdar048 said:

putopao said:

I think if the valuation says it’s ok then nothing to worry as you have been approved subject to valuation already. So seemed everything is fine!

Did yours gone to underwriters ? We were really hoping to get the mortgage offer but when my ma told me gone to underwriter im a bit nervous tbh as all documents i give them okay but still that is a bit scary hoping good news

We were to underwriters but was due I had a notice of correction about why I'm not in the electoral roll. Valuation is being done today, don't know when we'll hear back. Broker said mortgage was approved subject valuation 

I thinks thats why im with underwriters because of noc of electoral status lets see its so stressful 

annetheman

Can someone correct me if I'm wrong (I didn't apply with Halifax but reading literally every mortgage thread!) -- don't ALL mortgage applications go through an assessment by an underwriter, even "perfect" ones (no affordability issues, no credit file issues, large deposit and savings etc)?

Serdar048

annetheman said:

Can someone correct me if I'm wrong (I didn't apply with Halifax but reading literally every mortgage thread!) -- don't ALL mortgage applications go through an assessment by an underwriter, even "perfect" ones (no affordability issues, no credit file issues, large deposit and savings etc)?

Well this is what really im looking to ask but some of them say yes some of them say no so its not clear a have A pass with halifax but still went to underwriter process i dont know might be case to case basis 

putopao

I think because of our immigration status, our application would definitely go to underwriting. My MA told me on the first day of submitting it that we will wait for the underwriting process so i think it is a normal process!

Serdar048

putopao said:

I think because of our immigration status, our application would definitely go to underwriting. My MA told me on the first day of submitting it that we will wait for the underwriting process so i think it is a normal process!

Have you been asking your visa status because all i have been ask and gived them my driving licence but live over 7 years in uk i dont know if this is case because on the first my contact with ma over the phone they said when you have A pass they dont care rest or if thats just routine check than i will understand but will see till i get hear back something 

putopao

Because we are not in electoral then they would know our visa status . Yes, they asked for my BRP. 

Serdar048

putopao said:

Because we are not in electoral then they would know our visa status . Yes, they asked for my BRP. 

Ah right thanks for information they did not ask i have applied ilr still waiting but remaining visa over 1.5 years still but i lived over 3 years in uk so thats should be fine on their criteria