The day is nearly here!

greybear40

Hello to all on the mortgages & endowments. Well after months of trying to improve our credit files me and my partner have our appointment with our recommended mortgage advisor so that we can get a remortgage to remove my ex husband from the property. We have cleaned up our files the best we can. My partner's bankruptcy has now gone from his file after 6 years and I have cleaned my file up the best I can by clearing an old overdraft I had and reducing my credit card balances. Our mortgage advisor is trying Halifax first as firstly we have a timber framed house and secondly you can answer no to the bankruptcy question if it is more than 6 years ago. I am ready for a knock back though as I just don't think it's going to happen due to my old Studio account that was an arr for years until this Jan. This is currently ongoing with FOS but no holding out much hope there. We want to borrow £50000 and our property is worth around £70000 - £80000 ( really not sure). My partner earns £22,500 a year and I earn around £7000. We have 3 credit cards but only 1 with a balance which is £50 a month and a credit union loan of £100 a month. We also have caravan finance which is £290 a month which we hope to partly/fully clear as there should be extra money from remortgage. Anyway I know no one can tell what will happen but was just wondering do we need to take anything with us? Paperwork etc? Thank you in advance everyone

amnblog

If your mortgage adviser is trying Halifax after years of mortgage arrears you have best take along a rabbits foot and a four leaf clover.

greybear40

I have no mortgage arrears. I would like my ex husband off the mortgage and a new mortgage with my partner as would my ex husband as he wants a new mortgage of his own with his partner. My current mortgage is with Santander and is completely up to date and has been paid by me since my husband left ten years ago and by me and my partner since he moved in 3 years ago. The arrangement markers are from a Studio account that should really have defaulted over 10 years ago which is why the FOS are involved. Sorry if my post was confusing!