Halifax appeal process

Jimbob9871

Hi, desperately after some help...our situation is quite complex but we went for a remortgage with Halifax and underwriters turned it down yesterday of what I would class as small items in the grand scheme of things....I want to appeal but just found out the process is done in writing with no time frame! You wouldn't even know if they've received it either, where as if the underwriters wanted more info off us they would have come back through the Halifax mortgage advisor?

Seems ridiculous.....anyone have any experience on this? And whether it's worth doing?

The problem is we can't go anywhere else on the market due to our situation 

MWT

Jimbob9871 said:

Hi, desperately after some help...our situation is quite complex but we went for a remortgage with Halifax and underwriters turned it down yesterday of what I would class as small items in the grand scheme of things....

A few small items while individually perhaps not an issue, can when combined be enough for a refusal, and of course the lender may not share your view that they are small...

If there has been a misunderstanding or a mistake then it may be worth an appeal, but if it is simple a difference of opinion, they have the only opinion that matters unfortunately.

It is rare for there to only be one possible lender, perhaps if you explained why you believe this to be the case, one of the brokers around here may be able to comment?

Have you actually tried talking to an independent broker?