can i get a mortgage even though i still technically have a joint one with my ex-wife,thatwas a non status mortgage : LUSENET : Repossession : One Thread

I am currently going through a divorce and have a non status mortgage in joint names with my estranged wife.I do not want anything to do with this but can i obtain a mortgage of my own,and it would have to be a non status one as i have adverse credit history

-- Mr Stuart McGarrick (, April 19, 2001


No basically. As you already have a mortgage with a lender, you HAVE to be released from this mortgage before the new mortgage can start.

Just been through this myself and pain in the arse.

-- Laurie selby (, April 20, 2001.

I can only comment that non-status mortgages in this country are no longer non-status. I recently tried to obtain a non-status mortgage for my daughter and many lenders wanted accounts, salary slips, income details, job history, etc.. Then they started applying conditions about her age, marital status. Even when I increased the deposit amount to 40% they still wanted proof of income.

-- anon (, April 22, 2001.

The answer is yes provided that you can show that you can support the 2 loans.As you may have 'self certed for the first one you should be careful as you are still liable for it.Try to get you ex to buy your share of the existing equity.however most women are too sharp to allow this to happen

-- roger watts (, May 28, 2001.

It's a wonder then, Mr.Watts, why so many men advise others to try and pull this stunt in the first place. Grr.

-- Too scared to say (, May 28, 2001.

Quite, duped, quite!!!

I think the issue would be to resolve situation A before proceeding onto situation B.

You don't mention the status of the first property. Is it in negative equity? Could your ex afford it?

We try and help people on the website but normally 'Davids' versus 'Goliaths'. We're not going to help you leave your ex in the shit whilst you walk away smelling of roses.

-- Blue Moon (, May 29, 2001.


-- not_as_dumb_as Roger (, May 29, 2001.

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