Halifax Mortgage with historic adverse

unsure100

Hi,
we have just had an AIP approved with Halifax
70% LTV - 165k deposit 
AIP issued for 670k -  house we have offered on is 560k so well inside affordability 

Our credit files are clean with no issues or defaults
I have a historic issue from 2011 (repossession) - how would Halifax view this? 

Thanks 

Neverending_Story

Is it still on your credit file?  Shouldn't be after 6 years.  Search 'Halifax for Intermediaries' and check their criteria for adverse credit.

unsure100

No - fell off my credit file in 2016 
There is a question - have you ever had a property repossessed - with no timeframe
 bankruptcy question is in the last 6 years

unsure100

Question is 
Has any applicant been in arrears in the last 6 years with any borrowing or ever had a property repossessed? 

unsure100

Which kind of implies they are only interested in the last 6 years

Neverending_Story

Just say no then :-)

SusieT

I would get someone to call them and ask if that should be disclosed, the wording ov have you ever implies that there is no time restriction, so if you were to answer no, then if they discovered that it should have been yes you could lose the mortgage. Much better to have someone call and say they are looking for a mortgage but had a repo in 2011, would that be a problem . 

unsure100

I think I will just tell them, seems easier than it coming out later on
i am still struggling to see how they would find out, as there is no record of it anywhere 

unsure100

Also - forgot to say
this has never shown on my credit files anywhere

unsure100

We phoned Halifax - they said to answer the question as a yes, which we will
Has anyone ever got a mortgage with Halifax with a declared repossession?