Halifax AIP after adverse

Newhome21

Hi any helps/guidance anyone can give would be much appreciated.

I have an AIP with Halifax - went direct, spoke with them on the phone and they confirmed an A Pass Rate. Advised of past adverse (IVA) which was just over 6years ago and they seem fine with this. Soft searches are showing up with Credit Karma.

Does anyone have any indication of how likely this is to turn into an actual offer.
I’m looking at 85% mortgage
affordability is all within their criteria  - advisor at Halifax confirmed this. 

Currently with Halifax for my mortgage - not sure if this helps? 

Am I being silly trying at the present time? 

Newhome21

Does anyone have any experience or help with this query - should I direct it to another thread?

Meh123

I’ve no personal experience with it but I’m sure after 6 years these things drop off. If you’ve told them and they’ve still let you proceed and you’ve passed the AIP and the credit check has been completed then I’d assume you’d be fine.
as long as all the info presented for the AIP is correct and you don’t have a change of circumstances whilst it’s processing then there’s every chance of a positive outcome!