can you help ?

Rose_poppins

not sure i'm in the right section (sorry if i am not)
ok my brother has lived in his house 22 years, he was with ex for 3 years her name was put onto the mortgage ... she left him for another guy. after 2 years of being apart she is askin that her name comes of the mortgage...
does my brother have to 1, re-apply for mortgage and 2, show proof of earnings ? or is it just a form that needs to be filled in ?
hope you can help
thanks in advance

Robert_Sterling_3

The mortgage company would gain no benefit from taking his Ex off the mortgage. At present were he to go bankrupt for example they could get the money due from his Ex ( in theory i.e. If she has any. ).

Is there any equity in the property. If there is plenty of equity and he is well able to make the mortgage payments ( no missed payments or underpayments or late ) then they might take his Ex off.

If his credit record is not excellent they might not take her off.

( there is also the question : Does his Ex own a percentage of the property? )