This is a sticky situation!

Dave_Ham

I was so caught up in the sadness of your initial plight, I unusually did not pay attention to the detail.

I am so sorry but this is going to be hard work for you, as on this income irrespective of the tragic circumstances; Halifax are not going to lend to you.

Is there a parent or sibling that could go on the mortgage to help out on the lender checks?

Have you included any pension from your partner or can you confirm what income figures you have traded.

There will be a solution, we will help to find it I guarantee but from these numbers alone it will not be Halifax unless you can source another person or some more funds...

Gothicbetty

Not even with the 60k deposit? To borrow the 33k? REALLY??

Dave_Ham

SOOOO Sorry - again read incorrectly as assumed you would be looking for the 90k odd.

You wil definitely get what you need, sorry, definitely...

All the very best

Gothicbetty

PLOMP my !!! just fell off laughing! Really! THANK YOU!!! I wondered if that's what you thought as the adviser did the same thing! I'm giving them 60k in cash! I want the 33k...they offered 35.2 weirdly!

Anyhoo I'll try to get my heart to stabilize!

:A

Dave_Ham

And now I deservingly getting compared to the broker who to told you to go directly.

Where next....

Seriously, this will be fine. Any problems shout on here and I promise to read properly to save your heart rate and head falling off...

Gothicbetty

Thank you so much Dave.

Everyone, it's so nice to have you here to fall back on. It really helps. All this is so overwhelming when you mind has been fried by this situation. First I was getting over baby brain and then was brain sauteed by grief! Honestly it's been a total nightmare...not sure how I'm here actually!

Love to you all :kisses:

holly_hobby

Gothicbetty wrote: »

Love to you all :kisses:

Right back at ya Betty ....

H x

Gothicbetty

The Halifax....they said YES! Still a little concerned at the mortgage adviser at the Halifax didn't even check any of my statements, ID anything. I took everything in and he didn't even request it? He filled out all the paperwork and took out life cover for me (which I insisted on for my poor daughters sake!) We were in there for about 2 hours and he did the credit check etc but that was it!!!

He then said to make an appointment at my solicitor to do the transfer the deeds etc and draw up the probate stuff (contract saying my daughter has the option of having it at 18). I will then do all the money, deposit stuff with the solicitor? Is that right? Sounds really strange that he didn't check me out? I thought they made you show your knicker size before approval!?

My friend did say that that's it I can stop worrying now but that the solicitor could find a problem if there is one so still a little concerned. I think he was meaning with the probate and ownership situation i.e. our daughter inheriting etc

Not sure does this sounds straight forward...never done anything remotely like this before!

Thank YOU XXXX