Lab 10,979 Posted March 1, 2013 Report Share Posted March 1, 2013 About 6 months ago me and the ex parted company. Now we have decided to get her name of the mortgage and filled in all the appropriate paperwork. Received a letter today saying that they wont grant me a mortgage on my wages alone. I dont want to loose this house....been in the family for 60 years and i run my business from here. Can anyone tell me what my best options would be. Heard about guarentor or maybe putting my Dad on the mortgage but dont know what is best. f***ing fed up anyway so any info would be great. Cheers..... Quote Link to post Share on other sites
AirgunGuy 362 Posted March 1, 2013 Report Share Posted March 1, 2013 You could try an independent mortgage advisor instead of the banks which are givin out f all at the moment. They can usually wangle the funds from somewhere. It maybe completely different now since i last bought any property but worth a shout. Quote Link to post Share on other sites
Paid 935 Posted March 1, 2013 Report Share Posted March 1, 2013 Would a housing association come on board and help ? you can then buy there % back once you have payed up yours. Quote Link to post Share on other sites
Born Hunter 17,751 Posted March 1, 2013 Report Share Posted March 1, 2013 That's a shitter Lab. Have you seen a mortgage advisor? Maybe another lender can offer you something..... Quote Link to post Share on other sites
Guest bullterrier Posted March 1, 2013 Report Share Posted March 1, 2013 you went the wrong way about it you should of just killed your ex and your mortgage would of been payed off good luck anyway lab john 3 Quote Link to post Share on other sites
nothernlite 18,076 Posted March 1, 2013 Report Share Posted March 1, 2013 if you have a accountant get in touch with him and get it through your business good luck Quote Link to post Share on other sites
cammy12 176 Posted March 1, 2013 Report Share Posted March 1, 2013 About 6 months ago me and the ex parted company. Now we have decided to get her name of the mortgage and filled in all the appropriate paperwork. Received a letter today saying that they wont grant me a mortgage on my wages alone. I dont want to loose this house....been in the family for 60 years and i run my business from here. Can anyone tell me what my best options would be. Heard about guarentor or maybe putting my Dad on the mortgage but dont know what is best. f***ing fed up anyway so any info would be great. Cheers..... give your self a pay rise for a while and go to a independant morgage advisor Quote Link to post Share on other sites
sussex 5,777 Posted March 1, 2013 Report Share Posted March 1, 2013 Lab my pal is going through the same thing ,in the end his old fella went on but had to prove wages before they allowed it ,given his ex only worked part time and never chucked in a bean it was hard work but he did get it sorted. good luck with it . Quote Link to post Share on other sites
Kay 3,709 Posted March 1, 2013 Report Share Posted March 1, 2013 I had the same problem about 15 years ago when i wanted to take off the name of my ex husband, they said i wasnt earning enough as well, the fact i was paying the bloody mortgage made no difference so i left it Quote Link to post Share on other sites
leegreen 2,151 Posted March 1, 2013 Report Share Posted March 1, 2013 Lodger, I hear Whin is looking for some new digs. Quote Link to post Share on other sites
Lab 10,979 Posted March 1, 2013 Author Report Share Posted March 1, 2013 Cheers folks. Just pissed off with RBS attitude really....a basic letter to say i'm not getting it, no info on how i might be able too and the lassie on the phone couldn't give a f**k...........be as well writing "Go f**k Yourself" on the letter they sent me. Going to make an appointment with a financial adviser...be happy if they could get me a mortgage elsewhere....i'll have great pleasure in switching it from RBS that b*****ds!! Last question.....Does anyone know if i do go through a Financial Advisor can i add there fee onto my mortgage...? Cheers.... Quote Link to post Share on other sites
treecreeper 1,136 Posted March 1, 2013 Report Share Posted March 1, 2013 (edited) think you can, iv just remortgaged mine. i smashed more money off it before i did to get under the next ltv and lower payments. they have rung about 4 times asking for different things they dont even need and they still keep asking whether im sure i can afford the payments even though iv been paying more for years and still paid more in over payments. Edited March 1, 2013 by treecreeper Quote Link to post Share on other sites
Qbgrey 4,065 Posted March 1, 2013 Report Share Posted March 1, 2013 no ones lending at the minute,unless you accounts prove very good,and they do ask for accounts now,so most self employed people are screwed..............but you could try the buy to let mortgage,the rent you get plus your income should be ok,of course you will live in it,just need to get around how to do it,but my mates an advisor he told me this,but it was a while back........ 2 Quote Link to post Share on other sites
PIL 7 Posted March 1, 2013 Report Share Posted March 1, 2013 I had the same problem about 15 years ago when i wanted to take off the name of my ex husband, they said i wasnt earning enough as well, the fact i was paying the bloody mortgage made no difference so i left it Its non of my business Kay but would he not be entitled to half if he wanted to get funny ? Quote Link to post Share on other sites
treecreeper 1,136 Posted March 1, 2013 Report Share Posted March 1, 2013 no ones lending at the minute,unless you accounts prove very good,and they do ask for accounts now,so most self employed people are screwed..............but you could try the buy to let mortgage,the rent you get plus your income should be ok,of course you will live in it,just need to get around how to do it,but my mates an advisor he told me this,but it was a while back........ when i did mine had to provide 3 months wage tickets + bank statements. if i was self employed they wanted 3 years. Quote Link to post Share on other sites
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