.....

DCFC79

fieldend wrote: »

She has deleted her first post... so much for constructive comments :-)

That happens sometimes on here.

Usually the OP doesn't come back but at least for the moment she has returned.

frazell

laurenphipps85 wrote: »

So I could change the mortgage into my name only with the same lender and not pay a redemption fee?

No, I'm saying you pay your half of the redemption fee and he pays his and you DOWNSIZE to an affordable level.


It depends how generous your mortgage lender is, perhaps they would waive the redemption penalty if you carried the mortgage on with them on your own. It would take some negotiation with them, hence my suggestion of a face to face with your mortgage provider.

laurenphipps85 wrote: »

I sense a bitter person.... I'm doing everything I can to afford it! Read the posts clearly first! do one please, not constructive whatsoever

No one here is suggesting you aren't working hard enough to afford it, but you have said YOURSELF that you CANT AFFORD IT for at least a year.

The reality of that is your ex can pull the plug on your situation whenever he likes, and I'm not sure if anyone would carry on paying a mortgage without any benefit for a year.

Would you if the roles were reversed?

laurenphipps85

So over a year on I actually sold the house within three hours of being on the market - it sold as a £7k increase in price and I managed to get a 15 year mortgage after submitting a query to Santander

The redemption fee was halved as I was reducing the mortgage and in the end the solicitor actually paid for this

I now have a forever home with my daughter although it needed severe renovations it has been worth it

Proof that things can work out

k3lvc

laurenphipps85 wrote: »

So over a year on I actually sold the house within three hours of being on the market - it sold as a £7k increase in price and I managed to get a 15 year mortgage after submitting a query to Santander

The redemption fee was halved as I was reducing the mortgage and in the end the solicitor actually paid for this

I now have a forever home with my daughter although it needed severe renovations it has been worth it

Proof that things can work out

Great - but given you deleted the original post there's little chance anyone has the blindest inkling what you actually resolved :mad:

tykesi

k3lvc wrote: »

Great - but given you deleted the original post there's little chance anyone has the blindest inkling what you actually resolved :mad:

Careful, the toys may be back in the pram for now but comments like that could offend our little snowflake again and she'll be gone in a flash!

Ronaldo_Mconaldo

Also I think she forgot to say “thanks” to anyone on here considering she ended up doing exactly what many on here told her to do

k3lvc

Ronaldo_Mconaldo wrote: »

Also I think she forgot to say “thanks” to anyone on here considering she ended up doing exactly what many on here told her to do

Given Ms Phipps other outbursts on the forum this morning I suspect any 'thanks' may be a long time coming :rotfl: