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Avdice for remortgage/joint mortgage
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hairbrain05
Posts: 418 Forumite
Hi all,
Later this year, end of July, my fixed rate mortgage expires. My partner & I currently both own properties & he's placing his on the market in the early spring to move in with myself, we then plan looking for another house to buy jointly.
Just looking for any thoughts on what I should do when the current mortgage deal ends - I doubt we'd be in a position to move from my curent house until autumn at earliest so what would be my best bet for remortgaging in August bearing in mind I'll want to change again to a joint mortgage? To complicate matters I am classed sub-prime (even though i've been squeaky clean for 2yrs, no CCJs, no BK etc, no late payments) but my partner has a perfect credit report. Will I need to take the pain & endure my current lenders (Mortgages PLC) high rate until we're ready to move on? and also hope my past doesnt affect our combined rate too much?
Thanks for any words of wisdom!
Hairbrain
Later this year, end of July, my fixed rate mortgage expires. My partner & I currently both own properties & he's placing his on the market in the early spring to move in with myself, we then plan looking for another house to buy jointly.
Just looking for any thoughts on what I should do when the current mortgage deal ends - I doubt we'd be in a position to move from my curent house until autumn at earliest so what would be my best bet for remortgaging in August bearing in mind I'll want to change again to a joint mortgage? To complicate matters I am classed sub-prime (even though i've been squeaky clean for 2yrs, no CCJs, no BK etc, no late payments) but my partner has a perfect credit report. Will I need to take the pain & endure my current lenders (Mortgages PLC) high rate until we're ready to move on? and also hope my past doesnt affect our combined rate too much?
Thanks for any words of wisdom!
Hairbrain
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