My husband & I wanted to have my name added to the deeds of our family home. The lender agreed if we reapplied for a joint mortgage and were granted it. So we filled out an application and it was refused.
The current mortgage is in my husbands name and is less than 20% of the value of the house.
They claim I have not shown ability to pay even though I have been paying it for the past two years on my own (my husband has been ill and not earning) and am well in a position to continue to pay it.
What I really want to know is can we insist they allow me to be added to the deeds, without being added to the mortgage??
Help......
The current mortgage is in my husbands name and is less than 20% of the value of the house.
They claim I have not shown ability to pay even though I have been paying it for the past two years on my own (my husband has been ill and not earning) and am well in a position to continue to pay it.
What I really want to know is can we insist they allow me to be added to the deeds, without being added to the mortgage??
Help......