How reliable is a Halifax AIP

Mortgage_99

Hello… I have a bit of a weird question hoping someone can answer 

How reliable is a DIP/MIP/AIP from Halifax. Basically me and my girlfriend were  recently given a Agreement in Principle after our broker applied for us through Halifax. They agreed and said they would just need payslips from us. 

My girlfriend has a default from 2018 but our broker put this all through when applying. 

The main problem is that she got her current account closed by Halifax and they gave her a 60 day period stating the account would be closed by the end of that time back in 2018. She didn’t get a Cifas/Hunter marker or anything.

My question is…would the background searchs for example her account being closed previously by Halifax some years ago be accounted for when an Agreement in principle was done…or can they turn around at the full application and can this then come up. From reading other people’s forum’s they seem to say that Halifax barely ever reject at full application after an AIP is passed if everything else is in line. 

I’m thinking that surely this would have flagged up at AIP stage and they wouldn’t have offered us it if this was a problem. We are worried that at full application they will turn us down.

[Deleted User]

Hard to say unfortunately.  Ive certainly had occasions in the past where a lender has passed the aip and declined the app based on internal data that wasnt picked up on the aip search.   Ive also had lenders offer cases even with previously written off debt in the same group. 

Be worth asking the broker to call halifax once app has been submitted and ask for the val to be done after underwriting to protect your val fee from being a waste of money