looking for new mortgage whilst on DMP

HELENC1984_2

not sure if this the right place to post but ill give it a go....

my mortgage doesnt run out until oct 2012 however i have just joined a DMP. when my mortgage runs out i am looking to possibly sell my house and get a joint one with my partner but what are the chance of this happening? i havent defaulted on anything (yet) but i am assuminkg this will obviously go against me.

so two questions really - if i just renew my mortgage with my current lender, are they likely to give me a half decent deal

second question - if i do choose to sell house, what are the chances of my lender (halifaz) giving me more if it was to be a joint mortgage?

I have had Experian put a notice of correction on my report so that all lenders have to look at my rating instead of just running my report through a system, but will mortgage lenders even look at me??

any advice would be great!

Thanks!

xx

dimbo61

Well first of all you still have nearly 19 months left on your existing deal what ever that is ?
When your current deal expires then you will more than likely go onto the Halifax SVR what ever that is in 18 months.
What you need to do is read the paperwork that came from Halifax carefully ( it maybe 17/29 months old if you took out a 2/3 year fix!)
As for getting an even bigger mortgage with your new partner and a DMP in place I think it would be best to talk to a mortgage broker nearer the time.
For now try and clear all your other debts and build up some savings

HELENC1984_2

Will do Dimbo, im just scared of them seeing DMP and saying no straightaway!! im on a three year staggered (just started year 2)

Thanks for advice and will save my bot bot off until then!!