Halifax Mortgage

Halifax Mortgage
★★☆☆☆
2.0
From 8 reviews
28.0% of users recommend this

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6 Questions | 5 Answers
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“HOW LONG HAVE WE TO WAIT?”

★★★☆☆

written by SUEDEE1 on 21/07/2014

Getting worried now, placed an application with Halifax 7 weeks ago, now it is with underwriters (has been with them 10 days), Our moving date etc is looming, 29 august. Any advice on how much longer we are likely to wait for an answer. ??

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Irenefennell's Response to SUEDEE1's Review

Written on: 23/07/2014

we have been waiting 5 weeks for an offer, our broker keeps calling them for an update but they just say it is with the underwriters. So I think you will be waiting a little bit longer. They are a nightmare company to work with...

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“Just took to long to do anything”

★★★☆☆

written by Welshpx207 on 10/04/2014

Positives: Good customer service Stamp duty offer Negatives: Long call waits to speak with someone (up to 30 minutes regularly) Income reference was a nightmare. My work did not help by refusing a some of the detail Halifax wanted. Then required proof of deposit sending to them. The best bit is my savings are with Halifax! Faxes were not always received and had to be sent multiple times. Can't send documents on email. I am pretty certain most lenders are similar so overall I can't be too harsh for the negatives. Things could be made a little bit less stressful. They currently do not have enough staff to deal with the number of new applications going through at present, given call waits are between 20 and 30 minutes. Nevertheless, the staff I spoke to were helpful, polite and empathetic.

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“Waiting On Application Acceptance”

★★★☆☆

written by on 07/03/2014

We have had our mortgage in principle and given all information for the actual mortgage itself to be accepted but it has been delayed by two weeks because of an IT issue i.e the wrong code was given from hosuing association on a 50/50 mortgage to halifax. it has now gone to the underwriters on two different occasions but we havent had a response about it. we are waiting to send solictors letters off but cant do anything until we have a mortgage accepetd and signed for. has anyone else experienced this with a shared ownership property? Has anyone had similar sort of delays?

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“can i still get declined after being accepted?”

★★★☆☆

written by Carlsonxr274 on 05/03/2014

have been accepted for mortgage, paid surveyors fee, can i still get declined?

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“Great they don't take the money ”

★★★☆☆

written by on 27/03/2013

I don't have much to complain about really the application through a financial advisor was very smooth And on completion day it all went fine got the keys to my new house at 12 and 2 weeks later a lovely welcome hamper full of goodies from the halifax but that was 4 months ago and they haven't took1 payment from me....I've called the customer service a few times they just say the mortgage number I have hasn't completed yet... I've been in the house now 4 months.... I'm just worried what this will do to my credit file. Anyone else had this predicament?

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“Go in to plenty of detail, talk about the key elements...”

★★★☆☆

written by burtie13 on 31/08/2012

Go in to plenty of detail, talk about the key elements you like, was there anything you particularly didn't like about it? (20 characters minimum)

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“We have had a Halifax Mortgage since 2007. Very good...”

★★★☆☆

written by on 06/02/2009

We have had a Halifax Mortgage since 2007. Very good customer service at our branch.
Quick decision only after 1.5 year of residence in UK, reasonable amount offered. We were lucky to have a brilliant mortgage advisor, patient and helpful. A bit pushy but not too bad. However, if no attractive offer will be made later this year - we will switch to One Account at once.

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“The mortgage on this house was paid off by may parents...”

★★★☆☆

written by warlord2000ad on 10/11/2007

The mortgage on this house was paid off by may parents some years back, it was done by an endowment mortgage and we were one which actually received money back as we paid off early. The rate was fair and it worked out okay, but back then this house only cost about £30,000, now its value is near £300,000.
We had no problems with Halifax, and they had no problems with us, all in all it was good. However things may have changed since then, so i cannot recommend it.

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Asked by escared on 26th June 2016 Report this content
Mortgage rates seem high and don't know if to go for a two or a five year fixed rate. Could anyone advise?

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Asked by Xenanetty on 24th April 2015 Report this content
I have an AIP from Halifax for a mortgage. I have a 25% saved deposit. I have today made the full application and they found 2 items on my credit report first one is 4 late payments with t-mobile that go back to 2008 but t mobile updated my report in 2010 therefore it shows up, and 3 late payments from last year for Very catalogue these were due to there statement dates changing month to month so due dates for payments varied hence it may be one or two days late! This soon went on to DD once I realised I had late payments on my account. What do you think the chances are of being approved they haven't declined just wanted to know why they were paid late . I am borrowing £315,000 with a £105,000 deposit if this helps. Thank you

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Answers (1)
Report this content learnerdriver Written on: 29/04/2015
Just put it nicely in writing explaining how it happened and you've learned from this, so won't happen again. Highlight that u have no debts and ODs now. They asked me to explain a late payment from some 5 years ago, so it seems like routine Qs. Hope it helps, the main thing is to be honest and explain well.
Asked by Radix on 23rd February 2015 Report this content
Please put my mind at ease, I've had a mortgage promise from Halifax even though I advised them of several late payments on credit cards this year, no arrears, ccjs or default, this was due to an elderly parents ill health and helping to pay medical bills, (they live abroad) as their UK pension hadn't come through. Is it likely I would still get a mortgage offer? I shall be putting down a deposit of £300,000 and only looking to borrow between £100,000-£110,000. My current mortgage is with Halifax and all payments made on time.

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Report this content learnerdriver Written on: 24/02/2015
you're putting down a hefty deposit and provided you submit a written explanation of your late payments, you should be fine, especially you've already got a mortgage promise and already have a mortgage with them. If you paid it on time, I don't see anything like a couple of late payments on credit cards be much of a problem
Asked by Kouser103 on 25th August 2014 Report this content
Six months ago we got a Halifax mortgage. We are thinking of getting second mortgage. Can we let out our first property? If not,  then how long do we need to wait to let out our property?

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Report this content Sickov_Anti-service Written on: 27/08/2014
Technically yes. However this is up to the lender. You should write to them first, explaining why you want to do this (wanting to make more money is NOT a reason). They also may change the first mortgage to a 'buy to let' - this could incur fees.
Asked by carian3393 on 17th July 2014 Report this content
Hello everybody! Quite worried now about my Mortgage after looking at all of these reviews. My partner and I have just yesterday sent off our full application through a broker and Halifax have only asked for our 3 month pay slips which I think for a start is going to come back and bite us in the behind! We have 5% deposit some gift some savings. We are using help to buy Wales meaning they give the additional 20% to make it a 75% LTV. We both have good credit scores, no defaults but previously used payday loans a few times for emergencies (but read that Halifax are normally okay with this) I need to know how bad they really are? We have an estimated exchange date by the building company of the 1st of August do you think it will be done by then? It is the house of our dreams and would be devastated if we lost it because of their inability to keep within time frames! Thanks to anyone who responds!

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Report this content Adele92 Written on: 18/07/2014
Hello there, Only someone who works at Halifax would be able to comment on how quick they will be able to process it. They did ask for a few things from us - but from application to offer was about 4 weeks. They asked for 3 payslips from us both and 6 MONTHS worth of bank statements from me?! I think its because my credit score was just ok - not brilliant. My partner had took out one pay day loan before which I wasnt happy about 2 years before but they didnt query it. However Halifax did turn round and ask for a Gifted Deposit Letter so they know that the funds were gifted. Tbh Halifax messed us around - they issued the offer and sent it out - then withdrew the offer - despite us already instructing solicitors and paying surveying fee's etc. Luckily our broker was on the case and they could not explain why they had withdrew the offer so had to re-issue a new one. Near the end my solicitors were waiting on a hard copy of the mortgage offer. Good luck!
Asked by Ellisjack on 10th April 2014 Report this content
Does Halifax do 6 month decision in principle?

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Report this content pinkprincess693 Written on: 11/04/2014
Yes, mine from 2012 was a 6 month DIP luckily as it took 5 months to all go through.
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