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Mortgage : Change of Title

Its my 1st question on this forum, but I am in a desperate need to advice and suggestions. I am currently in a Joint Mortgage with my mom in my current house. But I am looking forward to buy out her quity and pay her off and open a mortgage with my wife. Should I apply for a remortgage or should start a fresh application for a mortgage. The only thing I need is to pay her off. I wanted to give a go to these online mortgage brokers like L&C or Habito .. but confused due to such a situation... is it better with approaching Bank directly
All your valuable inputs are welcome .. Thank You!

Comments

  • Cazza
    Cazza Posts: 1,165 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You need a Remortgage. The process by which you buy her out will be called a "Transfer of Equity" and will be dealt with by the solicitors.
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