Is this normal????????????

[pepperpots]

I have sold my house, and have already had a valuer from provident come to look at my house. That was about six weeks ago and tomorrow someone from halifax is coming to do the same does this mean that the people who have bought my house have had a mortgage declined? or is this normal to have two valuations, i have owned 2 houses and dont remember this happening either times. Any help would be great Also when spaeking to my solicitor last week they told me that the couple havent recieved their mortgage offer [even more confused!]

sounds like the original one fell through, for whatever reason. Have you taken your house off the market for them?

In 6 weeks quite a bit can happen on the mortgage front. Maybe there is a better deal for them going on with the Halifax and that is why they have decided to change.

Sounds like the first one may have fallen through. However Provident are a bit notorious for being , er , uncompetitive but useful in certain circumstances, so maybe they have managed to secure a more cost effective loan with Halifax which may be the purchaser's choice. They won't get a mortgage offer without a surveyor's report confirming the valuation and the Halifax may well insist using on a different panel of surveyors so would not accept the previous one.

Maybe they are getting two mortgages. It is possible to do this, depending on their situation.

My gut feeling though is that their original mortgage offer fell through, or they have found a better deal.

Have you sold through an estate agent? If you have, make them earn their fee and get them to make enquiries of your purchasers.

so does that possibly mean provident didnt believ the house to be worth the mortgage price? if not that is ridiculous as i dropped the price by 13,000

I doubt it. If the valuation came back considerably below the asking price, your purchasers would presumably have tried to get you to accept a lower price.

More likely the repayments and sundry costs came out high and they found a better deal with the Halifax. Don't panic yet !