Mortgage advice post Bankruptcy

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rob968

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Post by rob968 » Fri Aug 17, 2018 3:04 pm
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

Lisa Thomas

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Post by Lisa Thomas » Fri Aug 17, 2018 3:25 pm
I SUSPECT EITHER OF THE SPECIALIST MORTGAGE ADVISERS ON THIS SITE WOULD BE ABLE TO HELP - CONTACT RYAN OR SHAUN THROUGH THE EXPERTS PAGE.

Oops sorry to shout!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Foggy

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Post by Foggy » Fri Aug 17, 2018 4:16 pm
I would suggest having a chat with either Ryan : memberlist.php?mode=viewprofile&u=18488 or Shaun: memberlist.php?mode=viewprofile&u=22837

Both are whole of market brokers with considerable experience in adverse credit applications and have aided many on this forum.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Ryan

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Post by Ryan » Mon Aug 20, 2018 7:42 am
We've certainly been able to assist others in similar situations to arrange a mortgage.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

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Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

Shaun Vickery

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Post by Shaun Vickery » Mon Aug 20, 2018 10:45 am
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.
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