Help with mortgage!?
hello – i have been a home owner for 5 yrs and now need to remortage as my fixed rate is ending and id like to add some of my debt to mortage.
Additional problem is that i am currently in contract work although am starting a new job on 3 sept. Bad news is new job is £10k pa less than current salary so im worried wont get mortgage for the remortgage if you see what i mean?
I dont want to put my fiance on mortage as he alreday has other flat but will i need a guaranteur or something?
You won;t find yourself mortgage less. They will assess you and your property and either allow you to change, or stick as you are.
If you have been paying your bills properly, there should be no problem if sticking with the same lender. They will probably have to do another survey (which you will have to pay for) and take it from there.
If you try another lender, then they will go through all the same questions as the first time around, but you don;t need to tell your current lender. If you don’t get anywher and nobody lends you more money, they won;t know about it.
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