Halifax: Credit Check after Cerificate of Title

lewocon

Halifax Final Credit Check - Certificate of Title

I am at the final stages of buying my home.

Deposit paid - valuation done - move out day set - contracts signed. 

  

From what I understand, Halifax complete a final credit cheque before releasing funds. This email chain happened with my solicitor today, does this suggest everything is done? I have heard stories of  checks even up to the final day! Any insight will be great.

Essentially what I am asking, does this series of events suggest there is no way this can now fall through?

  

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**You:**  

Hi,  

I just received the exchange confirmation – great news!  

Is it still a case that funds will be requested on the 27th??

**Solicitor:**  

No funds are requested for the 25th April.

**You:**  

When was that sent to Halifax?  

Or is that pending?  

Sent from my iPhone

**Solicitor:**  

I requested the funds with Halifax yesterday.

**You:**  

Okay! And all approved? Or pending?

**Solicitor:**  

It's all approved.

**You:**  

Amazing!  

Sorry to ask a million questions here, have you had contact from Halifax recently confirming that? What was said?

**Solicitor:**  

It's through a portal so I receive confirmation that the Certificate of Title has been accepted and that funds will be released on 25th April.

user1977

Why are you asking? Do you think something has changed recently?

ACG

**Solicitor:**  

No funds are requested for the 25th April.
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I am not part of the grammar police but a missing comma is making a huge difference to this sentence! 

lewocon

user1977 said:

Why are you asking? Do you think something has changed recently?

Just nerves! 

lewocon

ACG said:

**Solicitor:**  

No funds are requested for the 25th April.
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I am not part of the grammar police but a missing comma is making a huge difference to this sentence! 

You’re certainly right! 

Hoenir

Lenders can apply flags to be notified of material changes to credit files automatically.