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legally does the bank have the right to change my mortgage? Ive had it for 10 years never missed a payment and been on my own for last 4 years. My ex husband wants to take his name off and I want to put my new partners name on. salary fine. I just want an internal transfer done. I worked for a bank years ago and we did this no problem. Now apparently if I want to make any changes then I have to take out one of their new mortgages and of course the interest rates are much higher! This seems very unfair to me? Its the HSBC bank and should I ask to speak to Ombudsman? They said it is done by internal tansfer but I have to take a new mort out ? loan to value is about 65% also?? thanks