Site says you are waiting on my reply, I cant see any question? sorry
I want to be released from the mortgage as soon as possible. Does the change in circumstances ie: moving his girlfriend and her family in and her having her own home, have any impact on my case should I return to court?
Even the court cannot order a lender to remove you from the mortgage. Youcan be removed from the deeds by court order.
He was ordered to use "best endeavours" and you can drag him back to courtto ask him to prove to the court what endeavours he has made to either removeyou from the mortgage or to remortgage with another lender.
If his income is not consistent with his lifestyle than you might suggestto him that this is something that the Inland Revenue might be interested in, ifhe 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 oneprovided you let the new lender have details of the court order. In thatrespect, I suggest you contact an independent mortgage broker rather than walkthrough the door of a high Street lender who is likely to just say you don'tfit the criteria without even investigating.
Moving his girlfriend in simply means that he potentially has anotherincome that would supplement his with regard to applying either for anothermortgage in their joint names or removing you and putting her on. However, hecannot 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 putpressure on him because she really will not like the house still being in jointnames with you
I appreciate that this is not the answer you wanted but there is no point inme misleading you.
Can I help further?
Please bear with me today because I am online and off-line. Please don'tforget to positively rate my answer service (even if it was not what you wantto hear). If you don't rate it positively, then the site keep your deposit andI get 0 for my time. It is imperative that you give my answer a positiverating. It doesn't give me "a pat on the head", "good boy" (like ebay), it ismy livelihood!If in ratings you feel that you expected more or it only helped a little,please ask.
My colleague gives useful advice, unfortunately, if his income isn't sufficient for mortgage purposes, it isn't sufficient! and it doesn't matter what endeavours he uses or who lives with him, he will not get that mortgage.
It comes down to him actually submitting applications to lenders and showing he was turned down