Halifax full application

herewego123

Good morning all

I have recently obtained 2 agreements in principles from 2 separate brokers for Halifax as i dont trust them (trust issues) so the fact they both found halifax im guessing is good news but am after some advice.

At AIP stage would a soft search show everything on my credit report so any checks would of been done prior to this?

I have 2 defaults back 3yrs and 10months ago which has been settled back then, would this of already been considered?

Also if I missed a payment last August but the account is now up to date and settled how will this impact my full application? 

I owe no debt and all my accounts are closed/settled or hold 0 balances.

Any advice would be helpful as I'm about to run a full application with Halifax 

Thanks 

BeerSavesMoney

Have you told the broker about your adverse credit history? This will allow them to recommend a suitable product.

amnblog

If you are prepared to Trust what I am saying - Halifax applications can sometimes fail credit score on full application following a pass on DIP. It is rare, but does happen.

Of course, a good way to fail score is to have your details submitted twice, at the same time, by two Brokers. I suspect neither Broker is aware of what you are doing.

herewego123

Hiya 
I wont be doing full application with both. Just one.

Just asking outloud that if 2 brokers have identified the same lender then would you consider that as good news?

According the the codirector of the brokerage I am dealing with he has stated that Halifax having offered 85% LTV based off my credit history and are happy to proceed and stated that if I had perfect history it be more like 95% LTV.

Would you consider this positive?

herewego123

BeerSavesMoney said:

Have you told the broker about your adverse credit history? This will allow them to recommend a suitable product.

Hiya.

Yes they are well aware. My checkmyfile has gone to both and they have both come back with halifax

amnblog

So they have not both submitted your details to Halifax for AIP?