I am earning that with the rental income but I was told back in 2009 that they would take that into consideration - I do have savings but I would prefer to keep them for renovations or for my deposit when trading up.You would probably need to be earning around €75k to qualify for a mortgage in your own name for that amount. If you're not earning that much do you have any savings to reduce the balance of the mortgage?
That was my initial plan but their website only has a generic contact email address - when I emailed it they responded to say they would reply in writing to which I received a letter passing me straight of to an intermediary. My key issue is that they won't give me a contact name to liaise with as I don't understand how they will not deal directly with their own customers and I don't know if an intermediary would be the best placed person to assist me with getting a name removed from an existing mortgage as they would be receiving no commission for that. I also checked the documentation they share on their website but there are no details on how to access their customer care or how to make a complaint.Try contacting different people; branch, head office, underwriting, etc. to see if anyone agrees to you keeping the tracker and make sure you get it in writing if you do!
At the moment he is happy to sign any necessary documents and I am happy to cover the cost for them being drawn up. But I would like to get this done before the house goes into positive equity to avoid a change of mind. I spoke to a solicitor who said I have 3 options - remortgage, following complaints procedure and esclating to Ombudsman or my ex agreeing to sign a co-ownership document to relinquish his rights (this may prove difficult as he will still be liable for the mortgage)Also, is your ex happy to walk away with nothing and pay his own legal costs?
We were not yet married. We broke up just before we booked our wedding venue. Although I believe a remortgage would not involve stamp duty.If the op and ex were married, and living In The house, my understanding is that there is no stamp duty involved.
they sent a letter out to me to say that I will need to go through an intermediary and apply for a new home loan.
I do have savings but I would prefer to keep them for renovations or for my deposit when trading up.
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