Hi All,

I am having a issue trying to secure a remortgage with the Halifax basically used a broker FAC, seemed very good. He completed a DIP in my and my wife's name which Unforntantley failed but said it passed in my name. He advised to look at other lenders but would be subprime Magellan 3.14% with £2,500 lender fee plus broker fee of £750 or alternatively we could proceed with Halifax in just my name at 1.8% no lender fee andx £500 broker but this would mean my wife would need to come off the deed. I discussed this with my wife and we agreed it made sense for her to come off the title and to go back on when we could remortgage which would be 2 years without anyg early payment charges.

Anyway everything was going fine until we where told she would not be allowed to live in the property after completion. This raised some concerns as we where not aware of this, I raised it and asked if this could be changed but Halifax would not budge. So we decided to agree to her moving out of the property to my mother's as would be having some building work carried out at the house and could all stay at my mum's who live alone in a fairly big house on her own.

Again we provided a forwarding address and everything was fine . We where due to complete on the 27th of June but where told it had to go to the underwriters for approval.

They declined the application and said we tried to circumvent their lending policy!

I am so stressed out now due to this and desperately need to find a solution and am considering appealing. Is this something I should do or just go the subprime lender.

Any advice, experience any one can offer would greatly appreciated.

Many thanks for reading.