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Proof of credit card paid off - Halifax Mortgage

laur3en1
laur3en1 Posts: 13 Forumite
in Mortgages & endowments
Hi, Can anyone help? I have had an offer from Halifax on a new build that is not due to complete until November. One of the terms of my mortgage offer was that I clear my credit card by completion.

I use this credit card for work etc but have no issue with paying it off by then. Do you know how they confirm this? Do they just ask for a screen shot of your balance? If they check credit file, that is always 2 months behind so won't be accurate?

Any help would be appreciated,

thanks,

Laura

Comments

  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I might be out of date, but my past experience with Halifax is that:

    (a) it's to be paid off no later than completion i.e. you can pay it at the same time as completion

    (b) they don't check and don't ask your solicitor to check either.
  • Neutrinno
    Neutrinno Posts: 310 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    They may ask for the acting solicitors to evidence it.
    I am a Mortgage Broker.

    You 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. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • restless6
    restless6 Posts: 472 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I had the same as part of my mortgage and paid the card off and then nobody asked for proof
  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Neutrinno wrote: »
    They may ask for the acting solicitors to evidence it.
    They never used to. It was just left as a condition in the mortgage offer which the customer was trusted to comply with.
  • laur3en1
    laur3en1 Posts: 13 Forumite
    Thanks so much for this,

    Laura
This discussion has been closed.
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