Coming off the mortgage and staying on the deeds

Joseyjones

Me and my partner currently have a mortgage in place however we are trying to remortgage to get a better deal my credit isn't perfect but my partners is better so is his salary 
the mortgage advisor is suggesting my partner just get the remortgage and I just stay on the deeds so we get the better offers 
I feel very vulnerable about this and don't like the sound of it at all I want the same rights if the house is sold plus we are not married and want the mortgage in both names are current mortgage supplier is willing to offer a cheaper switch with just a soft footprint on the credit file
we got the mortgage out last year together with both incomes on it 
should I change to just my partner on a new company or stick to ours and renew it join as before 

Alter_ego

Staying on the deeds means you are an owner. Being on the mortgage means you pay the loan. What's not to like?
The lender may not like the idea.

tacpot12

As you have the option to stay with your current lender at a lower rate, I would do that. Your partner may be concerned that you are not getting the very best offer you can, but you need to make it clear to them that as an equal in the relationship, you want to be on the mortgage. You will save money if you remortgage, but what will you do with the money? Really you should be remortgaging to allow you to overpay the mortgage as this will save a lot more in the long run.
You will save legal fees if you don't move lender, and you may save on other fees as well. You need to make sure that your broker is counting all the fees that you will be charged to move (including his own) when presenting a view of what savings you might make by moving. 
Your instincts are right - never do anything where you don't understand the consequences, and never take risks that you don't need to take.  

[Deleted User]

Whats the financial benefit in all this jiggery pokery? 
how much a month saving are we talking about against the best deal with you on the mortgage (elsewhere or current lender)