You'll get no useful advice unless you post clearly about the costs involved and outstanding loans, also your own earning capacity.
Also (and not having a go here but) why do you need a home improvement loan ? Can you not repair or do without till you get sorted ? Surely your ex did not leave it totally destroyed.
Yes sorry Brendan reading back over it, the OP is a bit of a mess. Honestly I think it should be posted in mortgages not CU. Feel free to delete this thread.You should give all the figures to get some ideas of how best to deal with it.
I found your first post very confusing. Putting in numbers would help you to write it more clearly.
Brendan
So I presume you’re keeping the house and taking over the mortgage and paying off the ex?
The answer is yes you can apply for a CU loan and nothing will show up on ICB etc unless it’s drawn down. So keep going on the transfer from both names to yours and once it’s gone through either apply for top up mortgage or CU loan
have to apply for a new mortgage in order to get her name off it.
I’m sorry EBS have been so difficult to deal with. Any reason why you can’t go to another bank? Did you have a tracker mortgage with EBS?
The answer is yes you can apply for a CU loan and nothing will show up on ICB etc unless it’s drawn down. So keep going on the transfer from both names to yours and once it’s gone through either apply for top up mortgage or CU loan
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