We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Want to become a Forum Ambassador? Visit the Community Noticeboard for details on how to apply
Is my mortgage now a certainty?
smartmove07
Posts: 40 Forumite
Going for a mortgage with Halifax. Apparently scrored well on credit score etc. and was able to provide 3 years accounts, accountants reference etc. House has now been valued and the valuer confirmed its ok for lending on. Apparently the application has now been set to the offering department. Does this now mean all checks etc.. will have been completed?
0
Comments
-
Well if its gone to offer then it does look good, but as always nothing in life is a certainty ecept death and taxes.
By the way, did you use a mortgage broker?:cool:
0 -
Yes, used a local broker. 2yr fixed rate of 6.09% (didnt want to fix for any longer as I'm hoping the market will have stabilised somewhat in the next couple of years)0
-
Halifax just rang me to say they have today launched a new rate of 4.99% fixed for 2 years. Wasn't able to tell me the arraignment fee. Did anyone else get this call?0
-
Well I have had no emails today about this. If it is true, fee would probably be 2%-3% of the mortgage amount. Only guessing though. Put it this way it will be a 4 figure sum should it be a cash value arrangement fee.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Take advice with a pinch of sea salt!0
-
If you scored well , I'm surprised they asked for accounts-
the broker will be able to log on to tracking- and see what stage its at.Any posts on here are for information and discussion purposes only and shouldn't be seen as (financial) advice.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards