This waiver does not apply to other payments to your mortgage account which might trigger the payment of an ERC, such as a lump sum overpayment. If your existing deal has more than three months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay an ERC. If you already have a mortgage with us and are in the last three months of your current deal, we’ll waive all ERCs as a thank you for staying with us. Will I have to pay an Early Repayment Charge (ERC) to switch to a new deal? The rates we offer over the phone and in branch are the same as our rates shown online.ĥ. Will I get the same mortgage rates online as I would if I phone or visit a branch? If you already have a Halifax mortgage and have arranged to switch onto a new deal, you can cancel that application and select a different deal from our current range.Ĥ. I’m in the process of switching to a new deal - am I able to select a different deal instead if I’ve changed my mind? Once you have completed an AIP, you will need to complete a full mortgage application with us to secure a rate from our current range.ģ. Please note: An agreement in principle (AIP) is not a mortgage offer. If you’re in the last three months of your current deal, we’ll waive any Early Repayment Charges (ERC) as a thank you for staying with us. If you already have a mortgage with us, you will need to complete an application for a new deal, either online or with a mortgage adviser. If you haven’t completed your mortgage application with us, to secure a mortgage rate you must complete a full mortgage application, either online or with a mortgage adviser. What can I do to secure a mortgage rate with you? If you are an existing mortgage customer and have already arranged to switch to a new deal, any changes to our mortgage range will not affect your new deal taking effect as planned.Ģ. If you have applied for a mortgage but not yet received your offer, if we are able to make an offer we will honour the rate that you have applied for, subject to the application meeting lending criteria. If you’ve completed your mortgage application with us and received a formal mortgage offer, any changes to our mortgage range will not currently affect the rate that you have applied for. Could my mortgage offer be withdrawn if changes are made to the Halifax mortgage range?
0 Comments
Leave a Reply. |
Details
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |