written by Anahi1953 on 10/01/2017
The Halifax were appointed via my mortgage broker (L&C - exceptional brokers) and were excellent.
I have a high debt ratio due to home improvements, although I didn't have any receipts etc.
Explained the high credit debt and loans, provided full details and asked for an extra £60k borrowing on the mortgage, as wanted to consolidate.
Zero issue or judgement. The legal team Enact appointed by Halifax were very efficient and the process was exceptionally good.
In the end I moved from rubbish BOI at 4.39 to Halifax at 1.29.
If you have bad credit or high credit balances (poor credit rating), do not worry and be completely honest. The Halifax use common sense and are very fair.