I would just like to say

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DanClarke said:
This is very true, but. She knows the mortgage deal ends in July. By placing a flag on it, he can no longer negotiate for the next fixed-term deal and they may not wish to continue and offer him a variable rate deal. In this situation he would be forced to sell.
I am hoping that proving he has paid the mortgage on his own with no financial input from her for the past 18 months will mean he can continue paying the mortgage on whatever deal he can get. Issue is that she is still co-owner and maybe has to sign any new deal, which she won't. So where does that leave him?
Click to expand...
Up the creek whithout a paddle and expensive legal bills
 
DanClarke said:
This is very true, but. She knows the mortgage deal ends in July. By placing a flag on it, he can no longer negotiate for the next fixed-term deal and they may not wish to continue and offer him a variable rate deal. In this situation he would be forced to sell.
I am hoping that proving he has paid the mortgage on his own with no financial input from her for the past 18 months will mean he can continue paying the mortgage on whatever deal he can get. Issue is that she is still co-owner and maybe has to sign any new deal, which she won't. So where does that leave him?
Click to expand...
You say she put a red flag on it. How did she do that? Gambling or in debt elsewhere.
 
Hippo said:
You say she put a red flag on it. How did she do that? Gambling or in debt elsewhere.
Click to expand...
She has always had a very poor credit history (pre hooking up with my son) and indeed has had CCJ's against her that time elapsed because she just did a bunk and hid. My son went through several years unable to get decent mortgage deals because of her very poor credit rating. I would not be surprised if her credit rating is now down the pan again and this has been flagged to the mortgage broker as he looks for their next "term" deal. Or, she has had her soli place something against the property like a lien or "interest". My son has made every payment on the mortgage and has a good credit rating, but if she goes down it takes him along with her because they are "joint owners" I guess.
 
Stanleysteamer said:
We grow our own cos it is cheaper and better. But in 6 months you cannot grow all you need except for a short time. If we lived there all year round we'd be able to grow enough for all year.:)
But we get the eggs from as soon as we get the hens!:)
Do you have hens?;)
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No I would love hens, when I move to where I want I will have a flock of hens :)
 
Last edited:
DanClarke said:
This is very true, but. She knows the mortgage deal ends in July. By placing a flag on it, he can no longer negotiate for the next fixed-term deal and they may not wish to continue and offer him a variable rate deal. In this situation he would be forced to sell.
I am hoping that proving he has paid the mortgage on his own with no financial input from her for the past 18 months will mean he can continue paying the mortgage on whatever deal he can get. Issue is that she is still co-owner and maybe has to sign any new deal, which she won't. So where does that leave him?
Click to expand...

I refer the learned gentleman to my last sentence ...
 
DanClarke said:
She has always had a very poor credit history (pre hooking up with my son) and indeed has had CCJ's against her that time elapsed because she just did a bunk and hid. My son went through several years unable to get decent mortgage deals because of her very poor credit rating. I would not be surprised if her credit rating is now down the pan again and this has been flagged to the mortgage broker as he looks for their next "term" deal. Or, she has had her soli place something against the property like a lien or "interest". My son has made every payment on the mortgage and has a good credit rating, but if she goes down it takes him along with her because they are "joint owners" I guess.
Click to expand...
Credit? What's that?
 
Excuse my heard of hens comment I was thinking of this. 😉
 

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