A question about : Mortgage application
I am a first time buyer and my proposed lender is Halifax. I had an affordability test, and after that a AIP (at least that is what it was called although the paper I have is called Key Facts illustration). The lender also arranged for a Survey which has been carried out and already I have a report. They also instructed Conveyancing on my behalf. I have asked the Conveyancing team to hold off any searches as I don't want to pay fees if no offer is made.
I know they Halifax did a credit search, but there are things, for example the deposit which is in a different bank, and nobody has asked me any details about it yet, or a gift from my parents which is some of the deposit, which I have a gift letter for but no requests of a copy or amount details been done so far. All I was asked was two years statements (I am self employed), and as I bank with them, current account details. My advisor knows the total amount of my deposit because we discussed it but I did not show any proofs to her.
Which brings me to my dilemma :-)
I have been unable to communicate with my advisor at the bank, she is not replying email or calls and I don't know where I am at, not even sure whether they full mortgage application has started. I wonder if I should get in contact with Halifax mortgage directly, or just wait patiently for them to contact me.
Just not sure what the process is at this stage
Best answers:
- You must have made an offer on the property and had it accepted if a survey has been carried out.
- It's a Right to Buy
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