Mortgage application with partner who has previous joint mortgage

Thrugelmir

Biomass1 wrote: »

How would i go about removing my wife from the mortgage?

In 18 months hard to see the situation having improved that significantly.

Maybe you should buy a property and accomodate your SIL.

Dave_Ham

Thrugelmir wrote: »

Why only 90%?

Major failure if 10% of credit agreements are not disclosed. Would make credit checking totally worthless.

As any slight spelling error, spaces in names, maiden name used etc. sometimes mean that the mortgage is not associated at the different address, especially given that no other correspondence goes there.

Come on, I am not advocating this at all just saying the OP would be highly likely to be found out. Being totally honest though, it is not a guarantee..!

And if you are advocating our credit scoring system is bullet proof currently, bad call.

For someone who on the face of it knows a bit, albeit delivers it bluntly and badly sometimes in my opinion you must realise the credit reporting system is flawed?

Just to clarify, OP you need to tell the bank about this and deal with it in an appropritate manner.