Not a first time buyer or a home owner ?

[Show35]

Hi

Myself and my partner are about to apply for a mortgage. She is a first time buyer, but about 10 years ago I purchased a house with my then girlfriend. We got a mortgage with permanent tsb. The relationship however didn't last and as she wanted to keep the house I signed it over to her with herself and her mother taking over the mortgage repayments. I was given a small amount for the mortgage repayments I had already made and all was above board and finalized through a solicitor.

My question is where does this leave me now in terms of status for applying for a mortgage? I'm neither a first time buyer or a home owner so when even applying for a mortgage I don't know what to class myself as or what I'm liable for in terms of stamp duty etc

Any help or clarification would be greatly appreciated

Thanks
Anthony

 

[mf1]

You're a former, but no longer, home owner.

There are no stamp duty implications. Everyone pays the same.


mf

 

[Show35]

Many thanks for your response, that's a relief !