FatFairNForty(ish)
Gold Member
Hi Kati
Depending on where you live in the country - I can totally recommend a financial advisor who got me a mortgage. He was excellent! I was with the Nationwide, and , like you had been paying it on my own but they refused me too... so I voted with my feet and moved mortgage!
The thing is, you will have to get a solicitor to arrange the transfer of equity to you first. I will pm you tomorrow (when I am more awake) and let you know what it all involved for me and my ex. It wasn't as straightforward as I had hoped, but it was well worth it all in the end as I have the house now (well... the halifax has it really - lol) my place has similar equity and they were happy to give me a mortgage...
Anyway... stuff the Nationwide. The manager at my branch was a pig to me. I had proof I could make the payments etc but he wouldn't budge an inch! So, like I say, I got a new mortgage with the halifax and closed all my accounts at the Nationwide and moved them over!
Anyway, will dig out the papers in the next couple of days and let you know the process it took for me. It may be different for you. I too was asked to get a guarantor, but I had no-one to ask so that wasn't an option.
I cannot tell you how fantastic you will feel when that house is entirely YOURS!
Hope you are feeling oodles and oodles better!
Love
Jenniex
Depending on where you live in the country - I can totally recommend a financial advisor who got me a mortgage. He was excellent! I was with the Nationwide, and , like you had been paying it on my own but they refused me too... so I voted with my feet and moved mortgage!
The thing is, you will have to get a solicitor to arrange the transfer of equity to you first. I will pm you tomorrow (when I am more awake) and let you know what it all involved for me and my ex. It wasn't as straightforward as I had hoped, but it was well worth it all in the end as I have the house now (well... the halifax has it really - lol) my place has similar equity and they were happy to give me a mortgage...
Anyway... stuff the Nationwide. The manager at my branch was a pig to me. I had proof I could make the payments etc but he wouldn't budge an inch! So, like I say, I got a new mortgage with the halifax and closed all my accounts at the Nationwide and moved them over!
Anyway, will dig out the papers in the next couple of days and let you know the process it took for me. It may be different for you. I too was asked to get a guarantor, but I had no-one to ask so that wasn't an option.
I cannot tell you how fantastic you will feel when that house is entirely YOURS!
Hope you are feeling oodles and oodles better!
Love
Jenniex