Halifax Valuation Timeline/ Underwriter

JayNM

Had a bit of a faff with Halifax last few days, they never told the broker they wanted my partners' letter sent to them directly from her employer. Only found out yesterday, so sent that today.
Broker has assured me that Halifax have no further queries and as soon as the letter is verified we will go to offer.
Will keep you posted

Lorenzo94

JayNM said:

Had a bit of a faff with Halifax last few days, they never told the broker they wanted my partners' letter sent to them directly from her employer. Only found out yesterday, so sent that today.
Broker has assured me that Halifax have no further queries and as soon as the letter is verified we will go to offer.
Will keep you posted

Sorry if I ask, but what letter did they want?

JayNM

Lorenzo94 said:

JayNM said:

Had a bit of a faff with Halifax last few days, they never told the broker they wanted my partners' letter sent to them directly from her employer. Only found out yesterday, so sent that today.
Broker has assured me that Halifax have no further queries and as soon as the letter is verified we will go to offer.
Will keep you posted

Sorry if I ask, but what letter did they want?

Just confirming she had returned to work from maternity leave and her new salary.
We received our offer this morning. 3 weeks turnaround, very good.

topdrog90

I have a mortgage application with Halifax through a broker. Valuation was done a month ago and I am still waiting for offer. I am self employed. Is this normal? Many thanks

JayNM

topdrog90 said:

I have a mortgage application with Halifax through a broker. Valuation was done a month ago and I am still waiting for offer. I am self employed. Is this normal? Many thanks

Doesn’t sound normal... what has your broker said?

FLB2796

Minnie82 said:

Super impressed with Halifax timeline. DH self employed, I had a vodafone default which is 2 years old, 1 year settled but under £250, my credit rating isnt great. We had aip declined by halifax with 2 different brokers but it was approved when i tried direct. 

Application was done 21st Sept, case handling needed another one of my pay slips which they asked for a week later, our product fee was taken on the 5th at 3.30pm and was sent to the underwriters that evening. Apparently we were fully approved and went to offer on the Friday. Paperwork should arrive today or tomorrow at the latest. For a self employed main applicant and not great credit 2nd applicant mid Covid I'm happy enough with that timeline, 3 weeks or thereabouts. 

I’m so glad you got your offer. Our story is pretty much a mirror image of yours. We also got our offer on Monday, I’m over the moon it felt like forever! 

The biggest stress I had was 2 brokers declining us, I’m glad I bit the bullet and went direct.

topdrog90

JayNM said:

topdrog90 said:

I have a mortgage application with Halifax through a broker. Valuation was done a month ago and I am still waiting for offer. I am self employed. Is this normal? Many thanks

Doesn’t sound normal... what has your broker said?

Just that nothing else is needed from me and he’s waiting for Halifax to make the next move. I made my original application over 2 months ago. It took about a month before the valuation was done, and now another month has passed with no offer...

Minnie82

FLB2796 said:

Minnie82 said:

Super impressed with Halifax timeline. DH self employed, I had a vodafone default which is 2 years old, 1 year settled but under £250, my credit rating isnt great. We had aip declined by halifax with 2 different brokers but it was approved when i tried direct. 

Application was done 21st Sept, case handling needed another one of my pay slips which they asked for a week later, our product fee was taken on the 5th at 3.30pm and was sent to the underwriters that evening. Apparently we were fully approved and went to offer on the Friday. Paperwork should arrive today or tomorrow at the latest. For a self employed main applicant and not great credit 2nd applicant mid Covid I'm happy enough with that timeline, 3 weeks or thereabouts. 

I’m so glad you got your offer. Our story is pretty much a mirror image of yours. We also got our offer on Monday, I’m over the moon it felt like forever! 

The biggest stress I had was 2 brokers declining us, I’m glad I bit the bullet and went direct.

That's amazing, congratulations! It's a massive relief isnt it. Really is bizarre about the brokers though. Although one of the girls at Halifax did tell me sometimes they just dont want to accept brokers applications!! Not helpful but I'm also glad I went direct. 

JayNM

topdrog90 said:

JayNM said:

topdrog90 said:

I have a mortgage application with Halifax through a broker. Valuation was done a month ago and I am still waiting for offer. I am self employed. Is this normal? Many thanks

Doesn’t sound normal... what has your broker said?

Just that nothing else is needed from me and he’s waiting for Halifax to make the next move. I made my original application over 2 months ago. It took about a month before the valuation was done, and now another month has passed with no offer...

I'd be getting your broker to phone them, whenever I spoke w/ my broker they phoned Halifax and it was resolved there and then.

Rae222

My current Timeline: 
24th August- Application sent - credit checks via Halifax undertaken. 
1st October-  valuation undertaken. Further credit check. 
16th October- valuation letter received. 
17th October- MB confirms email of offer. Awaiting offer letter.