Cant remove ex partner off mortgage!

Lisab1986

My sister got accepted then decided not to go on it with me.... Anyway im sorry if people thought i was being aggressive probably because i use these alot !!!!! im deleting my account good bye all

Thrugelmir

Best wishes for the future. While you may feel in a lonely place at the moment. You're not the first nor the last to face the stress of a relationship breakdown. So do listen to those trying to help you. As their voices come with experience.

ran123ran_2

could you threaten not to make the mortgage payments & say you will live with the consequences....

not sure re this maybe someone could confirm but as a bank manager do defaults reflect badly on employment opportunities??

Lisab1986

could be a possiibilty ran 123ran might just give that a go! x

ShaunPaul79

hi all.

im in this situation also, i have covered all costs for the last 4 years and my ex has requested i remove her name from our joint mortgage so she can move on and have a home/mortgage of her own, she put this in writing to the bank, i called them up, passed the affordability screening by the call center and they sent me the relevant application forms, yet the underwriters rejected my application stating my credit file did not match there criteria at this time.

is there anything i can do to help this, the house is in negative equity so selling would not remove her liability towards appox 15-20k if we made a quick no hasal sale for 80-85k just to get rid of the property.

any advice would be much appreciated.

thanks

hillcats

ShaunPaul79 wrote: »

hi all.

im in this situation also, i have covered all costs for the last 4 years and my ex has requested i remove her name from our joint mortgage so she can move on and have a home/mortgage of her own, she put this in writing to the bank, i called them up, passed the affordability screening by the call center and they sent me the relevant application forms, yet the underwriters rejected my application stating my credit file did not match there criteria at this time.

is there anything i can do to help this, the house is in negative equity so selling would not remove her liability towards appox 15-20k if we made a quick no hasal sale for 80-85k just to get rid of the property.

any advice would be much appreciated.

thanks

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Lucky_Duck_2

ran123ran wrote: »

could you threaten not to make the mortgage payments & say you will live with the consequences....

not sure re this maybe someone could confirm but as a bank manager do defaults reflect badly on employment opportunities??

Things might have changed but I worked for Natwest a while back and even though my role was outside of the UK Banking Business there was a load of rules regarding the conduct of ones personal finances so I would expect defaulting on a mortgage to be rather problematic.

densol_2

Speak to a family solicitor about an application under the " Children Act " a little known or used application where the court consider the interests of the child as " paramount " and can for unmarried couples make an order for the transfer of property and lump sums from well to do fathers " for the interests of the child "

All the best

gunsandbanjos

Lucky_Duck wrote: »

Things might have changed but I worked for Natwest a while back and even though my role was outside of the UK Banking Business there was a load of rules regarding the conduct of ones personal finances so I would expect defaulting on a mortgage to be rather problematic.

I work for a bank in a role that requires high risk vetting, they were interested in whether you had any large debts or poor credit history as they view this as making you more susceptible to corruption I believe.