Halifax Application/ Offer process

FTHophap

Application submitted June 12th, still haven’t got a satisfactory offer and now it’s holding up exchange. 

Brief Summary 
application submitted - June 12th
approved subject to valuation - June 22nd

1 month silence for a valuation date, but thank God all the searches we’re carried out

Valuation booked - July 30th
1 week for a offer - 6th August
then 1 week to receive it -14th August
They miss off a middle name - 1 week
Then they forget to re-issue the deed 
now radio silence from my solicitor as they don’t want to chase. (Ongoing)
—-
Bit of a rant but goddamn Halifax / my solicitors (removed their name lest they spite me with more inaction) are frustrating. Everyone is passing the buck (example - I can’t call your lender for 48hrs, well it’s been 60hr so just get on with it 😅)

Honestly can’t imagine if I had a chain, I’m “lucky” it’s a new build.

FTHophap

Looking like a months delay because someone at Halifax forgot my middle name. 🤬 
If you’re working on my case it is pretty obvious who I am but I’m beyond the point of caring.

My luck - if this is ever solved Halifax will take a two weeks to release the funds 😭

Carl2510

I’m also going with Halifax, submitted application on 26/08, got Valuation booked in for 10/09.

FTHophap

Good luck @Carl2510

FTHophap

They forgot my middle name now I’m waiting for the third version of my mortgage offer, this time 🤞 with the deed included 😓

I understood when Covid was synonymous with delays, now it seems to be a synonymous with mistakes too lol

I’ve lost 7kg with all the stress 😭

Peter74

FTHophap said:

I’ve lost 7kg with all the stress 😭

Every cloud!

FTHophap

@Peter74 Indeed, lost all that early lockdown binge eating weight.
Also it came through, by email - result. I'm making sure my children have one middle name max!  
Hopefully I can exchange ASAP and complete. Although I hear Halifax can take a week to release the funds.

Peter74

FTHophap said:

@Peter74 Indeed, lost all that early lockdown binge eating weight.
Also it came through, by email - result. I'm making sure my children have one middle name max!  
Hopefully I can exchange ASAP and complete. Although I hear Halifax can take a week to release the funds.

Congrats!

Carl2510

FTHophap said:

Good luck @Carl2510

Thanks,

it’s a new build so would of thought a Desktop would of been done but clearly not if it’s being done so far after application.

FTHophap

@Carl2510 I'm purchasing a new build too and I had a physical valuation. Count your blessings your wait is relatively short! 

nsmedley

i have had a mortgage offer and im awaiting date to exchange contracts.
if i instruct a direct debit for a loan before the mortgage is completed will it flag up and jeopardize my mortgage offer?