Any recent Halifax applicants?

Graeme1978uk

Applied for ours on 7th Sept, heard via Broker on 11th Sept that valuation booked for 16th. We are FTB too.

Gem_M90

Broker applied 13/08, passed to underwriters a week later. 8 working days after that it came back with a credit discrepancy.. worked out what it was and sent evidence (experian hadn't updated for 3 months) and resubmitted the application. 6 working days later (10/09) it was declined for affordability. My broker can't understand why as it passed all affordability checks on initial application and there's absolutely no discrepancies now, and they didn't decline for affordability the 1st time. He's taking it to an appeal although he isn't confident that an appeal will overturn the decision, more that he wants a more indepth answer as to why they've declined as if they've changed lending criteria he wants to know for other clients benefit as well. Appeal was submitted on Friday 11/09 so a long wait to hear from that and then no doubt have to start this process all over again elsewhere... I could cry!

Gem_M90

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

shakAFC

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

Fantastic news! My was approved on Friday, but I found out this morning!!

Gem_M90

shakAFC said:

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

Fantastic news! My was approved on Friday, but I found out this morning!!

Apparently the business manager was on holiday last week and when she's came in today the broker has pushed it through to her and it didn't need to go to an appeal. I'd have had a more relaxed weekend if she hadn't been on holiday! Haha. They must have just not wanted to give out any good news before the weekend! 

LMon1

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

Well done - thats brilliant 👏 😀 im hoping for good news this week. Im now on our 7th week 😔 

Carl2510

Gem_M90 said:

shakAFC said:

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

Fantastic news! My was approved on Friday, but I found out this morning!!

Apparently the business manager was on holiday last week and when she's came in today the broker has pushed it through to her and it didn't need to go to an appeal. I'd have had a more relaxed weekend if she hadn't been on holiday! Haha. They must have just not wanted to give out any good news before the weekend! 

Bet your absolutely buzzing right now!

FLB2796

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

So pleased for you, I've been watching your updates. I have a call in the next half an hour to verify our ID with our MA so hopefully he might have some good news for us.

Gem_M90

Carl2510 said:

Gem_M90 said:

shakAFC said:

Gem_M90 said:

Mortgage is approved! It didn't need to go to an appeal, my broker pushed it through to the business development manager with Halifax and she managed to get it approved! Approved pending valuation survey but I'm buying a new build and the foundations haven't even been laid so I'm assuming that will go through fine  Just wanted to update on the threads where everyone is waiting on Halifax news. 

Fantastic news! My was approved on Friday, but I found out this morning!!

Apparently the business manager was on holiday last week and when she's came in today the broker has pushed it through to her and it didn't need to go to an appeal. I'd have had a more relaxed weekend if she hadn't been on holiday! Haha. They must have just not wanted to give out any good news before the weekend! 

Bet your absolutely buzzing right now!

I'm so buzzing but so relieved as well! When I was told on Friday it was declined and had to go to an appeal I was pacing around my flat like a caged animal all weekend! So so glad that's over, I never want to do that again 😂 

Graeme1978uk

Had our offer this afternoon, absolutely chuffed to bits. Can't believe it's all gone through so quickly, especially given as I have some adverse through 2017 and 2018 (1 default, quite a few missed payments)

28/08 - DIP Received

29/08 - New build property viewed

30/08 - £500 Reservation paid on new build

02/09 - HTB Application submitted

07/09 - Mortgage application submitted and survey fee paid

10/09 - HTB ATP Received

11/09 - Valuation survey booked for 16/09

16/09 - Survey completed AM, Mortgage offer received PM