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  • FIRST POST
    • laur3en1
    • By laur3en1 8th May 18, 3:18 PM
    • 2Posts
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    laur3en1
    Proof of credit card paid off - Halifax Mortgage
    • #1
    • 8th May 18, 3:18 PM
    Proof of credit card paid off - Halifax Mortgage 8th May 18 at 3:18 PM
    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
Page 1
    • davidmcn
    • By davidmcn 8th May 18, 4:00 PM
    • 7,667 Posts
    • 7,807 Thanks
    davidmcn
    • #2
    • 8th May 18, 4:00 PM
    • #2
    • 8th May 18, 4:00 PM
    I might be out of date, but my past experience with Halifax is that: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
    • By Neutrinno 8th May 18, 4:59 PM
    • 184 Posts
    • 82 Thanks
    Neutrinno
    • #3
    • 8th May 18, 4:59 PM
    • #3
    • 8th May 18, 4:59 PM
    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
    • By restless6 8th May 18, 7:27 PM
    • 375 Posts
    • 354 Thanks
    restless6
    • #4
    • 8th May 18, 7:27 PM
    • #4
    • 8th May 18, 7:27 PM
    I had the same as part of my mortgage and paid the card off and then nobody asked for proof
    • davidmcn
    • By davidmcn 8th May 18, 8:03 PM
    • 7,667 Posts
    • 7,807 Thanks
    davidmcn
    • #5
    • 8th May 18, 8:03 PM
    • #5
    • 8th May 18, 8:03 PM
    They may ask for the acting solicitors to evidence it.
    Originally posted by Neutrinno
    They never used to. It was just left as a condition in the mortgage offer which the customer was trusted to comply with.
    • laur3en1
    • By laur3en1 8th May 18, 8:43 PM
    • 2 Posts
    • 0 Thanks
    laur3en1
    • #6
    • 8th May 18, 8:43 PM
    • #6
    • 8th May 18, 8:43 PM
    Thanks so much for this,

    Laura
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