Removing my ex partners name

ruth347

Hi I am a single mother of two currently working part time. I have had my mortgage for over 11 years and have been split from my partner for 3 years. He now wants to move on and buy a property of his own, we are joint tenants on the mortgage. I have now met a new partner and we want to try and remove my ex-partners name of the mortgage in the next few months. My new partner works full time and earns over £33k but unfortantely like me doesnt have a great credit score. I have contacted my lender who confirms that they will not remove my ex-partners name on the mortgage as myself and my new partner both have a bad credit score. We currently have no debt but my Lender confirms the new person being added has to have a clean credit score. My house is worth approx £220k and there is £140k outstanding on the mortgage. Is there any way we can put my new partner on the mortgage and remove my ex-partners name without going through our mortgage lender. I do not want to sell our family home. Please any ideas.

Caz3121

you could speak to a broker to see if they can find a lender for you and your partner. I assume you are looking for a mortgage of c £180k to take on the current mortgage amount and equity for ex.
You cannot just have someone removed from a mortgage and someone else added without the lenders agreement