Mortgages changing companies/lenders

martin_west_cornwall

Can any one advise me? I have a mortgage and have recently had to go on to D.W.P income support interest payments due to medical circumstances.
I am with the Halifax and somehow the have managed to pay my direct dwp payments into somone elses account since november 06 :mad: i have tried to sort it all out and have been asking to go on to interest only payments while i sort myself out financially.
I also wish to pay off a large lump sum and reduce my overall mortgage amount. i have spoken with the Halifax and they have given me lots of excuses and bad advice, basically saying its not in their interest for me to do so, my overall confidence in them has been reduced to zero
given that i am on D.W.P Income support payments and will have the means to eventually reduce my mortgage by over 50% and also when i am sorted out i will have an income from an annexe at my property which will cover my reduced mortgage, given my current circumstances, does anyone know if i can change my mortgage lender and get a get good interest rate, no early repayment fees and some good advice and support.
many thanks
martin west cornwall....

herbiesjp

As long as you have no missed mortgage payments as a result of their blunder, you should be fine with standard rates. If tey have affected your credit file, you would need to place a notice of correction on your credit file explaining the situation, and you would need to get Halifax to amend your credit file entry in relation to their mortgage account.

Assuming the figures are all viable i.e. your income is sufficient to cover the mortgage amount and any other debts you may have, you should be able to look at high street lenders.

HTH