Thanks for the reply Huckster.
Would they not have gone through my credit record thoroughly prior to them offering me the mortgage?
It just seems a bit weird to me that they would still do a credit check, post mortgage offer.
My understanding is that the mortgage is agreed in principle. Then when they receive the application, they then make the credit record and other associated financial checks.
I am a little confused when you say 'mortgage offer', do you mean the mortgage was offered in principle, subject to your application being checked.
If they have definately made the mortgage offer having made the credit record checks, you should phone them and ask to speak to a manager. Ask them for the general issue for the rejection, so that you can review this and decide on how to proceed. Has the Halifax found information out that you need to know about or is it that the Halifax made a mistake in offering the mortgage and this has been picked up when your file has been subject to internal audit. In most companies, their is a quality audit carried out to make sure each application has been handled properly. Perhaps such an audit has revealed that Halifax have made a mistake, which they are not going to reveal to you as you would complain.
I think you need answers from the Halifax, but should check your credit record anyway.