Hi,
I just registered if i could get some help by some of the experts here. this is my first time so please be kind to me! :)
I am a first time buyer, gross inc of 42k, I work as a sales co-ordinator, since the past 6 months (permanent), thought i have been working on and off on a temp basis. Got a MIP with halifax for 210k. the mortgage will be in my sole name as my husbands credit history is bad!!(CCJ etc)
Saw a property, offer accepted. went to my mortgage adviser (at the haliax branch) and gave her all the property info/solicitors and paid the survey fee of 430£ on 9th march. I submitted my one months payslip and passport copy.
Next week the adviser calls to tell me that she had a problem with her system and she had to shut down my account completely (?) and had to re-open a new one, which has led to a signfiicant number of searches on my credit file and my credit score has come down from 900's to 803!!!! I was asked to open a reward acc with halifax and also a credit card was issued (again more credit searches!!!!)
Well just got a call on thursday that she got an email, and they need some further documents P60 for 2012, proof of deposit, 3 wage slips and bank statements.
P60 -- I spoke to my employer and he told me he will give it to me end of may!!!! and he can provide me a statement of earning on the company head which would serve the purpose! what do u guys think ?
bank statements ---- I have noticed, the company name on the payslip and the name in the bank acc from which the money comes from is different. my employer uses one of this old account to make all the payments. which got me worried! :mad::mad::mad: Do you think the lenders think I am a risk.... ????
Proof of deposit --- deposit, my dad will be giving me some amount as a gift which is yet to come to my account from an Indian bank. I do have all the necessary documentation. A declaration from dad saying it is a gift to my daughter. Would that be a problem? It has already been transferred to my account last week and should be on the way hopefully! Fingers crossed!
I just dont know what to do.. with the bank statements and payslips..? anybody has any advice?
Just that have been reading so much online abt haifax declining the mortgage after survey!!
Any help would be appreciated please!
thank you! :)
I just registered if i could get some help by some of the experts here. this is my first time so please be kind to me! :)
I am a first time buyer, gross inc of 42k, I work as a sales co-ordinator, since the past 6 months (permanent), thought i have been working on and off on a temp basis. Got a MIP with halifax for 210k. the mortgage will be in my sole name as my husbands credit history is bad!!(CCJ etc)
Saw a property, offer accepted. went to my mortgage adviser (at the haliax branch) and gave her all the property info/solicitors and paid the survey fee of 430£ on 9th march. I submitted my one months payslip and passport copy.
Next week the adviser calls to tell me that she had a problem with her system and she had to shut down my account completely (?) and had to re-open a new one, which has led to a signfiicant number of searches on my credit file and my credit score has come down from 900's to 803!!!! I was asked to open a reward acc with halifax and also a credit card was issued (again more credit searches!!!!)
Well just got a call on thursday that she got an email, and they need some further documents P60 for 2012, proof of deposit, 3 wage slips and bank statements.
P60 -- I spoke to my employer and he told me he will give it to me end of may!!!! and he can provide me a statement of earning on the company head which would serve the purpose! what do u guys think ?
bank statements ---- I have noticed, the company name on the payslip and the name in the bank acc from which the money comes from is different. my employer uses one of this old account to make all the payments. which got me worried! :mad::mad::mad: Do you think the lenders think I am a risk.... ????
Proof of deposit --- deposit, my dad will be giving me some amount as a gift which is yet to come to my account from an Indian bank. I do have all the necessary documentation. A declaration from dad saying it is a gift to my daughter. Would that be a problem? It has already been transferred to my account last week and should be on the way hopefully! Fingers crossed!
I just dont know what to do.. with the bank statements and payslips..? anybody has any advice?
Just that have been reading so much online abt haifax declining the mortgage after survey!!
Any help would be appreciated please!
thank you! :)