Muddle2018
Registered User
- Messages
- 101
Thanks for response. I am baffled how it has not affected my credit rating at all as this was an overdraft and fees incurred in 2006!! No talking to my ex. He wont put his hand near his pocket.
Are you getting the same (or better) interest rate? If not then maybe the better option is removing his name from the mortgage.I am now getting this mortgage by myself and it is a whole new mortgage as opposed to just removing him from the current
I was using shorthand for retaining you existing Ts & Cs and interest rate. Of course, it's a new contract so a new mortgage. If it's a good tracker rate then it's well worth it.There is no option. You cannot simply remove a persons name from a mortgage, it all has to be done from scratch basically again.
They have offered me my tracker rate to keep so it is in my best interests but unfortunately where I once thought it was literally a case of transferring a name off it really is not that simple and we have to go through conveyancing solicitor and land registry and a few other things. Costly but will be worth it.
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