Expert Mortgage Advice

We offer expert mortgage advice when you are separating or getting a divorce. Our experts are here to help you with all aspects of mortgage advice.

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  • FCA Registered

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FAQs:

Yes, in some circumstances you can. This is dependent on the type of maintenance payments.

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This is all dependent on your personal circumstances. We can review this in our free of charge consultation.

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Yes you can as long as you can afford the loan.

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The main concern when speaking to many of our clients when going through a separation is the living arrangements of their children. They want to ensure their children’s lifestyle takes minimum effect throughout their separation. We can work with you to ensure that you can provide a stable home for your children.

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You need to see a family lawyer. This is ‘coercive control’ and is a form of domestic abuse. If you leave it until the end of the mortgage term, the lender may sue you for any shortfall and your ex may feel that he’s entitled to half the equity in the house, which can be awkward if you’ve been making the mortgage payments yourself.  It is much better to resolve your mortgage as soon as possible as there is a more expensive legal remedy at the end of the mortgage term.

Bluntly, whoever wants it the most. There are many reasons for this, children may play a part, but a house is not necessarily a home.  You’ll both need enough money to start again.

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When separating, both parties are liable to pay the mortgage: you will separate joint financial associations, including a joint mortgage. Therefore, you’ll either sell, transfer or remortgage the property.
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Every mortgage firm has their own fee structure according to their expertise. As an FCA regulated company, here at Blueberry, my time is FREE until you make an application in principle.  This represents most of the work. Thereafter £495 is charged when the mortgage is offered. So, payment on results! You will be consulted at all stages and you’ll know exactly where you are in the process. Depending on your circumstances, you may be able to obtain FREE Legal expenses on conveyancing.
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It depends on your income. Income can be earned or unearned and comes in many forms.  Lenders are looking to lend sustainably and fairly, on someone who is a ‘safe bet’. a non exhaustive list includes: Salary or wages, commissions, bonuses, maintenance, child and working tax credit, pensions, retained income (limited companies), self employed income may all be taken into account.
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You both are. Neither of you can afford to ignore this and so that’s why you’d need to see a family lawyer unless you can agree between you. If you both decide to sell that’s easy. Otherwise if one of you wants to sell their interest in the house to the other, then you’ll have to arrange a transfer of equity.
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Yes this can be achieved we will work with you to understand what you are looking to achieve.

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Yes, this can be achieved by raising capital against your existing home and arranging a transfer of equity, so long as you have sufficient equity and income to be able to do so. You’ll have to remortgage into your own name.

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No, not technically although you are responsible for the whole payment if you do this. There may be an opportunity to  get a cheaper rate or to go interest free depending on your circumstances.

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Yes, although it depends on which lender we use. It is all case dependent and it depends on many circumstances. The best way to find out is by speaking to the experts, we will take the time to understand your circumstances and see how we can help you.

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You would either sell, transfer or remortgage. Selling is obviously easy; transferring to your partner through a ‘transfer of equity’, usually arranged through a solicitor when they remortgage, or if neither of those options appeal, consider letting the property on a let to buy mortgage.
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It’s best that between you, that you do. However, the world is full of choices. If you don’t pay the mortgage in full, this will affect your and your partner’s credit rating, which will in turn, affect your ability to get a mortgage in the future. It’s best to pay it and resolve your affairs properly with the help of a solicitor or mediator.
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You can only do things that are under your own control..  You cannot make someone do something they don’t want to do. Of course a court can decide what should be done but hopefully, reason will prevail before it comes to that.
You need to find a family lawyer to help you if you don’t have one.
You either have to sell the property, or you can transfer your interest to your ex, or to a third party (parents or in-laws?), or potentially, turn it into a Let to Buy mortgage and rent the property out.
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You can’t. The property will be registered at the Land Registry and both parties on the title deeds need to sign those in the event of a transfer. Generally, this is done when the solicitors  convey the property from one party to another.
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