Hi hope anyone can clear up a couple of things,
Basically voluntary bankruptcy in April 2012 had letter in 2013 for discharge, since then met partner who has a mortgage. Her son is joint mortgage holder wants off mortgage and we want to put my name on or just take my wage into account as my partner works part time and can not cover mortgage criteria on her own. Mortgage not up for renewal yet but will Natwest let us change names if we pay the correct solicitor fees ? Don't want to waste money arranging solicitors if they will say no. Any helpful advice be great not sure if this the right place to ask either but no replies of bankruptcy sites.
Cheers in advance
It's a little difficult to determine your best course of action with the brief info you are able to provide through open forum but, for your income to be considered in any lender's assessment, you would have to be a party to the mortgage. From what you are saying this doesn't sound like it would be a problem to you. Nat West may take issue with your previous bankruptcy but whether you are better talking to them first or whether you are better looking elsewhere really will really depend on many other factors - for example the mortgage rate your partner has vs the rate it may be possible to secure elsewhere and any Early Repayment Charges that apply. If she has a competitive rate and you are keen to stay with them until the rate is due for renewal there is no harm done in talking to them.