Even the court cannot order a lender to remove you from the mortgage. You
can be removed from the deeds by court order.
He was ordered to use "best endeavours" and you can drag him back to court
to ask him to prove to the court what endeavours he has made to either remove
you from the mortgage or to remortgage with another lender.
If his income is not consistent with his lifestyle than you might suggest
to him that this is something that the Inland Revenue might be interested in, if
he does not get his backside into gear and get a mortgage or remove you.
There is no reason why you cannot have a mortgage in addition to this one
provided you let the new lender have details of the court order. In that
respect, I suggest you contact an independent mortgage broker rather than walk
through the door of a high Street lender who is likely to just say you don't
fit the criteria without even investigating.
Moving his girlfriend in simply means that he potentially has another
income that would supplement his with regard to applying either for another
mortgage in their joint names or removing you and putting her on. However, he
cannot be made to put her on and she cannot be made to go on it.
As he has moved his girlfriend in there is a possibility that she can put
pressure on him because she really will not like the house still being in joint
names with you
I appreciate that this is not the answer you wanted but there is no point in
me misleading you.
Can I help further?
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