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    • ruth347
    • By ruth347 15th Sep 17, 12:57 PM
    • 2Posts
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    ruth347
    Removing my ex partners name
    • #1
    • 15th Sep 17, 12:57 PM
    Removing my ex partners name 15th Sep 17 at 12:57 PM
    Hi I am a single mother of two currently working part time. I have had my mortgage for over 11 years and have been split from my partner for 3 years. He now wants to move on and buy a property of his own, we are joint tenants on the mortgage. I have now met a new partner and we want to try and remove my ex-partners name of the mortgage in the next few months. My new partner works full time and earns over £33k but unfortantely like me doesnt have a great credit score. I have contacted my lender who confirms that they will not remove my ex-partners name on the mortgage as myself and my new partner both have a bad credit score. We currently have no debt but my Lender confirms the new person being added has to have a clean credit score. My house is worth approx £220k and there is £140k outstanding on the mortgage. Is there any way we can put my new partner on the mortgage and remove my ex-partners name without going through our mortgage lender. I do not want to sell our family home. Please any ideas.
Page 1
    • Caz3121
    • By Caz3121 15th Sep 17, 1:03 PM
    • 10,782 Posts
    • 7,025 Thanks
    Caz3121
    • #2
    • 15th Sep 17, 1:03 PM
    • #2
    • 15th Sep 17, 1:03 PM
    you could speak to a broker to see if they can find a lender for you and your partner. I assume you are looking for a mortgage of c £180k to take on the current mortgage amount and equity for ex.
    You cannot just have someone removed from a mortgage and someone else added without the lenders agreement
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