Bollocks, B*stard and Sh*T!

Had a call from the Crapifax this morning (aka Halifax estate agents) to advise us that there is a problem with the mortgage.

The buyer has lost their P60 and even though the Halifax Head Office gave the buyer the go ahead to proceed with the survey, it now seems that unless they can find their P60 the Halifax isn’t willing to lend them the cash to buy our house.

So, they have now been passed onto a mortgage broker (the same broker that the girl used who couldn’t get a mortgage) to try and identify a lender who’s criteria for lending isn’t so strict!

I am totally and utterly dumfounded. I had a bit of a go at the girl who is looking after (using the term looking after loosely) the sale of our house, explaining that I have given my notice at work on the basis that things seemed to be progressing so well, but don’t worry. When you feel your down there’s always someone at the Halifax to make you feel even….worse!

Well, I wouldn’t go booking any flights says the advisor. We recently dealt with a customer who had booked his flights to Australia and he was in a chain of four buyers. When his house was surveyed he was told that he had over valued it by £20,000 so had to drop his price by £20k in order to catch his flights.

Great! At least its unlikely that we have over valued our property, however we need to get the house surveyed again! So its going to be a number of weeks before any thing positive happens.

We’ve gone from a high to a barrel scraping low! We should know in the next couple of days if our buyers can get a mortgage with another lender but in the meantime its legs,arms,toes and fingers crossed.

We’ll probably try and phone our buyers direct tonight to see if we can get any inside news on whats really happening.