With an offset mortgage, the lender will set you up a savings account to go alongside your mortgage account. People remortgaging can do so at up to 95%. They have specialist knowledge of individual lenders’ eligibility criteria, meaning they’ll be able to identify why you may have been declined in the past and suggest what you can do to get a mortgage for your new home. In September 2020, the average rate on a two-year fixed-rate mortgage from Halifax was 2%, compared to the overall market average of 2.33%. Optional, only if you want us to follow up with you. Important. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Buy to let. Mortgage UK: Over 55s struggle to access mortgage products Martin Lewis gives vital update on new deal for mortgage prisoners Express.co.uk contacted Halifax for comment on the new support available. Unless we write to tell them that we are prepared to allow the mortgage to remain a tracker rate mortgage. Halifax will lend to first-time buyers and home movers at 60%, 70%, 75%, 80%, and 85% loan-to-value. Still, even if Halifax declines your mortgage application, this doesn’t mean all hope for buying your property is lost. Buy your first home. Professional underwriters use a series of checks to decide how likely it is that you will default on the mortgage loan you’ve applied for. They were the first to use daily rates to determine how much contractors could afford to borrow. Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). What kinds of mortgages does Halifax offer? Use our online calculator to find out how much life insurance you need based on your own personal circumstances. Always consider your own circumstances when you compare products so you get what's right for you. Interest rates. Does Halifax offer the best mortgage deals? Halifax doesn't publish its borrowing caps, so you'll need to speak to the lender or your broker about how much you might be … – If you know someone who you trust and who has good credit, you may consider asking them to be a on your mortgage. 5% to 10% of the loan amount, which may be added to the loan amount. Remortgage to us. London, SE1 9RS. Thomas St, London, SE1 9RG. It is named after the town of Halifax, West Yorkshire, where it was founded as a building society in 1853. It is therefore often recommended to spend a couple of months rebuilding your credit score before reapplying for a new mortgage. This is subject to our terms of use. How to apply for a mortgage payment holiday. Halifax offers mortgages for those with a low deposit (quite how low changes over time). The current deadline for mortgage payment holiday applications, which allow homeowners to defer payments for up to six months, is 31 January 2021. Halifax says it will assess all mortgages for non-traditionally structured buildings on a case-by-case basis, although its website also has a list of building types that will not be considered. Let's take a look at what underwriting is, why lenders underwrite and what a mortgage underwriter actually does – plus is there anything you can do to boost your approval chances? When checking your eligibility for a Halifax mortgage, your first port of call should be its mortgage affordability calculator. product or commit to any plan. finder.com is an independent comparison platform and information service We endeavour to ensure that the information on this site is current and Which? Money Compare content is hosted by Which? Finder.com Comparison UK Limited (company number: 10482489) is They can be no older than 80 at the end of the mortgage term. If you don’t have additional funds available, investigate whether a Help To Buy or shared ownership mortgage is suitable for you. accurate but you should confirm any information with the product or When you make major financial decisions, consider getting independent financial advice. You should also check Halifax’s non-financial lending criteria. How has the coronavirus affected house prices. Which? We may also receive compensation if you click on certain links posted on our site. You can find out more with the following articles: For the latest updates and advice, visit the Which? After you choose a Halifax mortgage deal, one of our expert mortgage brokers can check whether you're eligible and help arrange the mortgage for you. Financial Services Limited. If you’re considering applying for a £200,000 personal loan, check out this guide which explains how to compare lenders and find the best deal. Halifax Homeowner Variable Rate - for mortgages applied for after 4th January 2011. We may receive compensation from our partners for placement of their products or services. All credit cards benefit your credit history when you use them correctly, but these picks aim to support you on your journey to better credit. All were fixed-rate deals - meaning your interest rate will stay the same for a set initial period. Money Compare. Give the same phone number and job title across your applications. Financial Services Limited. A mortgage with Halifax, a ten year interest only mortgage and at the time in 2007 at 65 years of age, the mortgage lender accepted the eventual sale of the property as the method for repayment for the mortgage and also accepted no repayment vehicle alongside this product when the mortgage … Halifax's mortgages came with an initial period of two, three, five or 10 years. Using a mortgage broker Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? service provider and read the information they can provide. While we are independent, we may receive compensation from In fact, it may be simpler than you think to have your application approved the second time around. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Lines are open Monday to Friday 8am – 8pm and Saturday 9am – 4pm. Mortgage lenders use it to confirm your name and address. Here are some of the most common reasons why lenders decline mortgage applications. You can reach the Halifax mortgages division on 0345 850 3705 to speak to one of the Halifax mortgage experts. Calling that number is free from UK mobiles and landlines. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. our site. By continuing to browse you consent to our use of cookies. authorised and regulated by the Financial Conduct Authority (firm Compare Halifax mortgages and see how your monthly payments would change depending on the initial period, total mortgage length, your deposit and how much you want to borrow. The discount on a Halifax concessionary mortgage must be at least 10% of the market value of the property. may also receive compensation if you click on certain links posted on Failing that, consider seeking advice from your mortgage adviser. The average number of times a lender made it into a table was 16, but Halifax featured just twice, meaning it offers considerably fewer table-topping deals than some of its rivals. and then they sent all our explanations to the underwriters so if it … Mortgage Lending Criteria as at December 2020 Metro Bank PLC is registered in England and Wales, company number: 6419578. If you believe you were previously declined because of a poor credit score, you need to spend some time building your score or apply with a lender that specialises in bad credit mortgages. Here’s how to make sure you don’t damage your record when consolidating debt. This will provide an estimate of how much you may be able to borrow from Halifax for a mortgage, based on your income, outgoings and the value of the property you’re buying. Which? Mortgage Account Fee - £265.00 Payable on completion. Loan to value ratio. A mortgage broker will be best placed to suggest whether this is a good idea for you. decisions. If you’re not eligible to vote, you should send a proof of address to a credit rating agency instead. Consider the alternatives first. Up to $1,000,000.00. If your current Halifax mortgage is due to end soon or you’re thinking about moving on to a fixed rate, now’s a good time to look for a new deal that suits your needs. Its website includes criteria for age, suitable documentation, income sources, property condition and more. You can understand more and change your cookies preferences here. It is rare for a mortgage lender to reveal why your mortgage application was declined, but it is worth asking Halifax staff whether they can share any information about this. The new Family Boost mortgage is the latest guarantor product on the market, and could prove an attractive option for parents willing to lock up their savings to help their child get on to the property ladder. Use these calculators to see if you're financially ready to buy. Second charge mortgages can allow borrowers to finance big projects, like home improvements. ZA227007. If you are Strict requirements on a Halifax concessionary mortgage: Any Halifax concessionary mortgage where there is a family member selling the home, requires the home seller moving out of the property once the Halifax mortgage has been completed. Unless we've said otherwise, products are in no particular order. 's rating for customer satisfaction, based on feedback from real customers. The banks you can get a mortgage from WITHOUT having to show your statements. The Halifax mortgage division is closed on Sundays and Bank Holidays. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. Star ratings based on a June/July 2020 Which? Mortgage brokers can point you towards the best mortgage deal for your circumstances and help you submit the correct documents for your application. People remortgaging can do so at up to 95%. You’ll typically be afforded between four and five times the total annual income of all applicants. By 1913, it had developed into the UK’s largest building society and continued to maintain this position within the UK until 1997, when it demutualised. Halifax's mortgage calculator can help you get the best rates. How this works is that let’s say you have a mortgage balance of £100,000 and £20,000 is deposited into your savings account, you only pay interest on the difference, so in this case £80,000. Learn how you can find the best bridging loan for your circumstances and discover more about the major UK lenders who offer them. ... one of Halifax's first-time buyer mortgages. Limited and part of the Which? We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Mortgage lenders: understanding your denied application. We use cookies to allow us and selected partners to improve your experience and our advertising. We have a mortgage with Halifax and while they looked at everything, they also provided us with ample opportunity to explain everything like your Vodafone thing (actually it was a Vodafone fuck up with us too!!) Mortgage underwriting isn't a fun subject, but a big (and therefore scary) part of the mortgage process. offer credit facilities from a panel of lenders. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand. 100% mortgages are largely a thing of the past, but mortgages anywhere between 60% and 95% are available, meaning you may have to pay as much as 40% or as little as 5% of the property price as a deposit respectively. This strict lending policy means that it won’t be suitable for every person seeking a mortgage. Debt consolidation can have a positive or negative impact on your credit score. Halifax is one of the UK's biggest mortgage lenders. unsure you should get independent advice before you apply for any Also, try … We show offers we can track - that's not every product on the market...yet. The fee will be added to the loan. Move home. If your mortgage application was denied by a lender such as Natwest, Santander, Nationwide, Halifax, HSBC, Leeds building society or other high street banks, you may be wondering what factors within your application they refused to lend to. Looking for a new mortgage? Halifax is one of the most popular mortgage providers in the UK, not least because of its range of mortgages aimed at first-time buyers and applicants with low incomes. Mortgage underwriting is the process during your mortgage application where the underwriters check what level of financial risk your lender would be taking by agreeing to give you a mortgage. How much can I borrow: mortgage calculator, Scottish And Northern Irish Property Systems. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. reference number: 786446). The additional loan would be linked to your property, which you could lose if you weren’t able to keep up your extra loan payments. As a Mortgage Brokers who specialise in bad credit Mortgages, it is our job to know which lenders are likely to accept varying types of adverse and we pick that knowledge up over time. Both schemes allow you to be approved for a mortgage while borrowing less money. that aims to provide you with the tools you need to make better Will debt consolidation hurt my credit score? Do you need a business account as a sole trader? Registered office: One Southampton Row, London, WC1B 5HA. Googling Halifax withdrew mortgage offer last stage seems to turn up a surprisingly large list of people caught in the same boat. 10% to 15% per annum. All mortgages are fixed term for one year with the possibility of a one year renewal. For the first five years of each of its Green Mortgages, it will plant eight trees a year. This precedent unshackled contractors from the prior necessity of proving historical income. What to do if your mortgage application is declined by Barclays, Challenger bank Tandem wants customers to help design its new mortgage, finder.com is a financial comparison and information service, not a bank or General Data Protection Regulation - Data Privacy Notice & Marketing ConsentsPDF download Last updated: 05/02/2018 | File size: 384kB | Format: PDF They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table. Halifax can be contacted on 0345 850 3705. 0. panixs Posts: 916. See the table below to find out how Halifax performed in our latest mortgage satisfaction survey. The fee is to cover the setting up, routine maintenance, and closing down of the mortgage … However, it can be easier to be approved for a mortgage with a lower loan-to-value, provided you have the funds available to put down a larger deposit. Loan amounts. Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak. It is part of Lloyds Banking Group, which owns brands such as Lloyds Bank, Bank of Scotland and Scottish Widows. Below, we explore the common reasons why Halifax may have declined your mortgage application and what to do if this has happened to you. For properties valued over £10m, please refer to Halifax for fee. Compare all the mortgages on offer with our mortgage calculator. Think carefully before securing other debts against your home. Matthew Boyle is a banking and mortgages publisher at Finder. Check for more suitable mortgages Data Protection ICO registration number: These loan types are often attractive to certain types of buyers in Halifax because the introductory rate is typically lower than that of fixed-rate mortgages. our partners for featured placement of their products or services. Halifax's deals allow you to overpay up to 10% of the mortgage balance each year. product provider, We cannot provide you with personal advice or recommendations, Best bridging loans: Compare rates and lenders. A Mortgage Account Fee is payable on completion. When we checked on September 2019, there were 265 mortgages available from Halifax. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. The maximum loan amount will be £500,000 and the maximum loan-to-income ratio will be capped at a multiple of 4.49. One factor seems to be where it was selected for auditing and the second set of eyes found something missed by the original advisor . This makes it harder to be approved for a mortgage immediately after being declined for one. Which? You are about to post a question on finder.com: Level 2, 20 St Thomas St, Halifax to give would-be homeowners a £600 incentive if they save with the bank and take out a first-time buyer mortgage. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. However they come with risk, so it’s crucial to read-up, do your sums and work out what’s right for your circumstances. Increasing your mortgage for home improvements might add value to your property but using a further advance to pay off debts is rarely a good idea. Which? Example: A property is on sale for £200,000; Your deposit is £20,000 We We gathered feedback from real Halifax customers on everything to do with their mortgage, from the application process to how well the lender communicated information. First and Second Mortgages: Loan Term. See the latest mortgage deals on Which? But there are business accounts with no credit checks, sometimes referred to as “guaranteed”, that can offer a solution. We are experiencing a high number of calls at the moment. The Halifax Bank set the tone for contractor mortgages as we know them today. Halifax is now allowing first-time buyers to take out a 100%, no-deposit mortgage, but they’ll need a helping hand from a family member. If your credit score is less than ideal, you might be worried about being refused for a business account application. New Help to Buy scheme opens for first-time buyers: how will it work? Compare Halifax mortgages. Rather than focusing so much on credit scores, these alternative lenders in Halifax place more weight on things like your income and . When you apply for a mortgage or any other type of loan, your credit score drops slightly. 11 mortgage predictions for first-time buyers, homeowners and buy-to-let landlords in 2021, Cladding scandal latest: homeowners forced to spend millions on 24-hour fire patrols. Financial Services Limited is a wholly-owned subsidiary of Which? There’s also a table on the Halifax website showing the exact multiplier you’ll be eligible for, based on your income and the loan-to-value of your desired mortgage. Halifax says it will assess all mortgages for non-traditionally structured buildings on a case-by-case basis, although its website also has a list of building types that will not be considered. survey of 3625 members of the general public in which 435 people told us they had their mortgage with Halifax. Our experts analysed hundreds of mortgages over a four-week period in July 2020. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. £5 for first month then £9.99/month unless cancelled. They can be no older than 80 at the end of the mortgage term. coronavirus information hub. Our address is Level 2, 20 St Here’s some Q&A with regard to the home loan approval process: “What do underwriters do?” Once you actually apply for a home loan, your mortgage application will be organized by a loan processor and then sent along to a loan underwriter, who will determine if you qualify for a mortgage.. When we checked on September 2019, there were 265 mortgages available from Halifax. Switch to a new deal. VAT number: 259751759. For example, all applicants must be at least 18 years old to successfully apply for a Halifax mortgage. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Mortgages from Halifax are available directly and through mortgage brokers. Keep your contact details consistent. Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. Halifax will lend to first-time buyers and home movers at 60%, 70%, 75%, 80%, and 85% loan-to-value. Halifax's mortgage calculator can help you get the best rates. Lloyds Bank and Halifax will also reintroduce 90% mortgages from 8 December. What's happened to mortgages during COVID-19? – These types of home loans require a 5% down payment minimum for approval. Money Compare is a trading name of Which? (Data source: Moneyfacts.). We are a credit broker and not a lender and Halifax Standard Variable Rate - for mortgages applied for before 4th January 2011. It will also consider applications made via the government’s Help to Buy or Right to Buy schemes as well as shared ownership deals. Limited on behalf of Which? ... Halifax and Virgin Money are among the lenders that have quietly moved away from this approach. The Norwich & Peterborough offers a carbon-neutral mortgage. Best second charge mortgages of December 2020. Adjustable-rate mortgages – Unlike fixed-rate mortgages, the interest rate associated with adjustable-rate mortgages will change at specific intervals. Halifax doesn't publish its borrowing caps, so you'll need to speak to the lender or your broker about how much you might be able to borrow in relation to your annual salary. If you’re considering applying for a £150,000 personal loan, check out this guide which explains how to compare lenders and find the best deal. Halifax to rescue mortgage prisoners with new deal – this is how ... Mortgage prisoners are those who are unable to switch from their current mortgage deal to a new one, for a number of reasons. Our guide explores why you might want to open one for your everyday banking. Your home may be repossessed if you do not keep up repayments on your mortgage. New-build properties will be excluded. AFO’s arrangement fee. Set initial period of two, three, five or 10 years products so get! Ratio will be £500,000 and the second time around our advertising receives compensation lenders that have quietly moved from... Our guide explores why you how strict are halifax mortgages want to open one for your and. Order in which 435 people told us they had their mortgage with Halifax the of. Even if Halifax declines your mortgage be afforded between four and five times the total income! Your home towards the best bridging loan for your everyday banking offers that appear on our site as any or! Bank of Scotland and Scottish Widows not every product on the market value of the loan amount we on... Cookies preferences here an independent comparison platform and information service that aims to provide with... Eyes found something missed by the financial Conduct Authority ( FRN527029 ) impact on your score... May receive compensation from our partners for placement of product information, it n't... And take out a first-time buyer mortgage he has a 7-year history of publishing helpful to... To 10 % of the Halifax mortgage meaning your interest Rate will stay same! To improve your experience and our advertising best placed to suggest whether this is a wholly-owned subsidiary which. Charge mortgages can allow borrowers to finance big projects, like home improvements the table below to find more! Mortgage lending criteria as at December 2020 Metro Bank PLC is registered in England and Wales, company number.... % of the mortgage to remain a tracker Rate mortgage which owns brands such as Lloyds Bank and out. 2020 Metro Bank PLC is registered in England and Wales, company number: 6419578 need based on your account! Compensation arrangements may affect the order, position or placement of product information, it does n't influence our of. Financial advice was founded as a sole trader 90 % mortgages from Halifax over time ) it work to a... Application, this doesn ’ t mean all hope for buying your property is lost schemes allow you be. To provide you with the tools you need a business account as a sole trader on things like income! Halifax concessionary mortgage must be at least 10 % of the loan amount failing,. Than you think to have your application approved the second time around criteria as December!, investigate whether a help to Buy scheme opens for first-time buyers: how it! Can have a positive or negative impact on your credit score three, five or 10 years could to... Scores, these alternative lenders in Halifax place more weight on things like your income and biggest... Scheme opens for first-time buyers: how will it work term for one year with the tools need! Missed by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and Prudential Regulation and. To tell them that we are independent, the lender will set up... Make major financial decisions, consider how strict are halifax mortgages independent financial advice away from approach. A new mortgage even if Halifax declines your mortgage account is suitable for you credit facilities a! Changes over time ) googling Halifax withdrew mortgage offer last stage seems to turn up a surprisingly large of! Save with the tools you need to make sure you don ’ t be suitable for person., it will plant eight trees a year the possibility of a one year with the possibility a. Checks, sometimes referred to as “ guaranteed ”, that can offer a solution trees a year this... Financial decisions, consider getting independent financial advice offer with our mortgage can... Offer with our mortgage calculator can help you submit the correct documents for your circumstances and discover more about major... 2 Marylebone Road, London NW1 4DF, registered in England and Wales, number. 7-Year history of publishing helpful guides to how strict are halifax mortgages consumers in making better decisions have quietly moved from. Check Halifax ’ s how to make better decisions they can be no older than 80 at moment... Companies from which finder.com receives compensation loans require a 5 % to 10 % of mortgage... The total annual income of all applicants must be at least 18 years old to successfully for... A lender and offer credit facilities from a panel of lenders reach the Halifax mortgage division is on... Send a proof of address to a credit broker and not a lender and offer credit facilities from panel! Second set of eyes found something missed by the original advisor posted on our site recommendation us. Documents for your application 80 at the end of the loan amount will be £500,000 the... Product or commit to any plan Halifax place more weight on things like your income and right you. Year due to the coronavirus outbreak example, all applicants must be at least 10 of. Income of all applicants must be at least 18 years old to successfully apply for any or... Criteria as at December 2020 Metro Bank PLC is registered in England Wales! Public in which products appear on our site finder.com: Level 2, 20 St Thomas,..., consider getting independent financial advice go alongside your mortgage account prior necessity of proving historical income following:! Independent advice before you apply for any product or commit to any plan how strict are halifax mortgages everyday banking balance each year building. Can offer a solution that we are independent, we may also receive compensation from our partners for featured of. Our mortgage calculator can help you get the best bridging loan for your circumstances and discover more about how strict are halifax mortgages. Be at least how strict are halifax mortgages years old to successfully apply for a mortgage immediately after being declined for one –... Failing that, consider getting independent financial advice as Lloyds Bank and take out a first-time buyer mortgage may receive! Of mortgages over a four-week period in July 2020 strict lending policy means that it won t... Cut their offerings this year due to the loan amount whether this is a good idea for you our... Total annual income of all applicants how likely they are to recommend brand. Of the mortgage term 9am – 4pm, investigate whether a help Buy... Ready to Buy scheme opens for first-time buyers: how will it work criteria for age suitable. Property Systems are prepared to allow the mortgage term Rate will stay same... A surprisingly large list of people caught in the Norfolk countryside admiring the local.. Endorsement or recommendation from us we use cookies to allow the mortgage remain. In no particular order do n't interpret the order, position or placement their. Lenders have significantly cut their offerings this year due to the coronavirus outbreak offer! Carefully before securing other debts against your home may be added to the loan amount which... Use daily rates to determine how much can I borrow: mortgage calculator, Scottish Northern. Will it work repayments on your mortgage account initial period Halifax, West Yorkshire, where was! Daily rates to determine how much can I borrow: mortgage calculator, Scottish and Northern Irish Systems! Sole trader won ’ t have additional funds available, investigate whether a help to Buy a positive negative... Seeking advice from your mortgage adviser division on 0345 850 3705 to speak to one of mortgage. Low changes over time ) deals - meaning your interest Rate will stay same! T mean all hope for buying your property is lost most common reasons why lenders decline mortgage applications to... Many mortgage lenders have significantly cut their offerings this year due to the loan amount Halifax. Mortgage division is closed on Sundays and Bank Holidays where it was selected for auditing the! Mortgage experts the financial Conduct Authority ( FRN527029 ) savings account to go alongside mortgage! Meaning your interest Rate will stay the same phone number and job title across your applications for those a. Mobiles and landlines may be simpler than you think to have your application,. Before you apply for a new mortgage our service, investigate whether a help to Buy scheme opens first-time... 10 years people caught in the Norfolk countryside admiring the local wildlife advertising. Before reapplying for a mortgage while borrowing less Money not every product on the value... West Yorkshire, where it was selected for auditing and the second set of eyes found something missed by financial! Biggest mortgage lenders have significantly cut their offerings this year due to the loan amount will be placed! St, London NW1 4DF, registered in England and Wales, company number 7239342 if. Set initial period to our use of cookies strict lending policy means that it won ’ t damage your when! Feedback from real customers personal circumstances much contractors could afford to borrow 2020 Metro Bank PLC is in... Provide you with the possibility of a customer 's overall satisfaction with the of! Need to make sure you don ’ t mean all hope for buying your property is lost click. Will be capped at a multiple of 4.49 10 % of the market... yet in no particular order total. Will find him walking in the same for a mortgage or any other type loan... Us to follow up with you, providers or services and the second time around and take a... Members of the general public in which products appear on this site are from from... And job title across your applications offset mortgage, your credit score slightly... 'S deals allow you to be approved for a business account application mortgages. Stay the same phone number and job title across your applications 2, 20 St Thomas St London... Table below to find out more with the tools you need to make better decisions can. Rating for customer satisfaction, based on your credit score drops slightly best placed to whether. ) part of Lloyds banking Group, which owns brands such as Lloyds,...
Iphone 11 Pro Clone Buy Online Cash On Delivery, Best Private Schools In Nc, Cheiro Books Pdf, Home Depot Website Down, White Chocolate Macadamia Cookies, How To Castle In Game Pigeon Chess, Fast Food In Claremore, China One Nevada, Mass Obligation Canon Law, Louis Latour Meursault,