Halifax mortgage offer

Hi I received my mortgage offer today stating special conditions as 
“You have declared an intention to pay some or all of your outstanding credit commitments. The mortgage advance has been assessed on this basis and it is your responsibility to ensure that these commitments are repaid. Completion takes place on the condition that such repayment takes place”
I only owe £250 on a credit care which I will clear next week, my confusion is that do they want me to clear my student loan as well because as far I am aware they already deducted student loan from pay slips and didn’t include that amount when assessed my affordability, can anyone advise. 


  • FtbDreamingFtbDreaming Forumite
    1K Posts
    500 Posts Second Anniversary Name Dropper
    No just the credit card will be fine
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 (Now: June 2049)
    Current Balance: £65,450
    MFW2020 #156 £723.13/£2000
    MFW2021 #26 £1184.71/£2500
    MFW2022 #11 £0/£1500
    Backup/ Neutral fund £1031.16/£2000
    House fund £20.09/£1500

    Determined to make it! 
  • Squirrelz92Squirrelz92 Forumite
    196 Posts
    100 Posts Second Anniversary Photogenic Name Dropper
    I had the same special condition for my credit commitments to be cleared.. I had £300 on my credit card which like you I also paid off the following week. I have a student loan too but they didn't even factor that in so don't sweat it :) All the best on your new home!
    Mortgage 3rd Aug 2020 £97750
    Mortgage 1st Jan 2021: £96062.83
    Mortgage Overpayments Aug - Dec 2020: £700
    Mortgage Overpayments 2021: £400/£2400
    Emergency Fund: £2200/£4000
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