Removing name from mortgage

edited 30 November -1 at 1:00AM in Mortgages & Endowments
15 replies 3.1K views
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  • nellis10nellis10 Forumite
    1.3K Posts
    Part of the Furniture Combo Breaker Debt-free and Proud!
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    kingstreet wrote: »
    Do the TofE and remortgage at the same time, not separately.

    You'll eliminate some double charges this way.

    Yes, trying to do it all with Halifax in the one go, then when I am sorted out and it's all in my name I can shop around for offers at my leisure. Right now, just trying to get the ball rolling, but I have a feeling they won't talk to me unless my mum is there too...which will be a monumental pain in the botty to achieve.
    Nat
    Goals:
    Baby Step 1 = £1000 EF :heart2:
    Baby Step 2= Debt Free by Apr 2017 :heart2:
    Baby Step 3 = Full EF :heart2:
    Mortgage Free by 2023!!
  • KattermoleKattermole Forumite
    16 Posts
    Sixth Anniversary 10 Posts Combo Breaker
    nellis10 wrote: »
    Yes, trying to do it all with Halifax in the one go, then when I am sorted out and it's all in my name I can shop around for offers at my leisure. Right now, just trying to get the ball rolling, but I have a feeling they won't talk to me unless my mum is there too...which will be a monumental pain in the botty to achieve.

    They can do it over the phone, the lady said it will take about an hour to an hour and a half and she gave me a list of all the info I will need to have beside me. They said they will send out the documentation for my ex to sign. It doesn't seem like he has to do anything except sign the relevant bits as the onus is on me.
  • nellis10nellis10 Forumite
    1.3K Posts
    Part of the Furniture Combo Breaker Debt-free and Proud!
    ✭✭✭
    Kattermole wrote: »
    They can do it over the phone, the lady said it will take about an hour to an hour and a half and she gave me a list of all the info I will need to have beside me. They said they will send out the documentation for my ex to sign. It doesn't seem like he has to do anything except sign the relevant bits as the onus is on me.

    Oh that's brilliant news!
    Any idea of what sort of documentation so I can get ahead of the game?
    Nat
    Goals:
    Baby Step 1 = £1000 EF :heart2:
    Baby Step 2= Debt Free by Apr 2017 :heart2:
    Baby Step 3 = Full EF :heart2:
    Mortgage Free by 2023!!
  • KattermoleKattermole Forumite
    16 Posts
    Sixth Anniversary 10 Posts Combo Breaker
    nellis10 wrote: »
    Oh that's brilliant news!
    Any idea of what sort of documentation so I can get ahead of the game?

    If it works like they did for me, they will call you to discuss your needs and then book a longer phone appointment where they will do the actual paperwork.

    I've been asked for details of my income, credit commitments, any other properties purchased, addresses for past three years and job details for past three years. They also asked for my solicitor's details but said if I didn't have one, they would recommend the ones they use.
  • nellis10nellis10 Forumite
    1.3K Posts
    Part of the Furniture Combo Breaker Debt-free and Proud!
    ✭✭✭
    Kattermole wrote: »
    If it works like they did for me, they will call you to discuss your needs and then book a longer phone appointment where they will do the actual paperwork.

    I've been asked for details of my income, credit commitments, any other properties purchased, addresses for past three years and job details for past three years. They also asked for my solicitor's details but said if I didn't have one, they would recommend the ones they use.

    Excellent! Thank you!!
    Nat
    Goals:
    Baby Step 1 = £1000 EF :heart2:
    Baby Step 2= Debt Free by Apr 2017 :heart2:
    Baby Step 3 = Full EF :heart2:
    Mortgage Free by 2023!!
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