HALIFAX MORTGAGE - MORE PAYLSIPS/CREDIT CHECK ON COMPLETION

Kurtisbaptiste1993

Hi,

I received my mortgage offer from Halifax on 25th May 2022, we are due to complete early August.

Has anyone had any experience with Halifax recently?

Will Halifax run a second credit check + ask for more payslips etc on completion? 

Thanks

Ebe_Scrooge

Not sure about Halifax in particular, but it's quite common for a final credit check to be performed just prior to completion.  This is why people are usually advised not to take out any new lines of credit between offer and completion.

K_S

Kurtisbaptiste1993 said:

Hi,

I received my mortgage offer from Halifax on 25th May 2022, we are due to complete early August.

Has anyone had any experience with Halifax recently?

Will Halifax run a second credit check + ask for more payslips etc on completion? 

Thanks

@kurtisbaptiste1993 Can't say it never happens but I can't recall Halifax having asked for updated payslips pre-completion for my clients.

With respect to credit-checks, yes they can "re-score" the app post offer. Whether that relies on the original hard check or an updated soft check, I couldn't say for sure.

kingstreet

I'm pretty sure receipt of the certificate of title triggers another soft search.

chanz4

They credit checked us before release of funds, they said they do it at every action taken on the account