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    Any legal people on-line?

    Banned
    I need some advice on my property.

    TIA

    24 Comments

    Original Poster Banned

    michelleleemoo

    Your text here



    Thanks.

    Hope you have a great weekend

    my mum worked in a solicitors firm...

    Supermod

    DLM, what is your question?

    Yes, i am legal and not underage but i do not want to sleep with you..........Sorry

    Original Poster Banned

    magicjay1986

    DLM, what is your question?



    How much will it cost to put my bf on my mortgage?

    Original Poster Banned

    Syzable

    Yes, i am legal and not underage but i do not want to sleep with … Yes, i am legal and not underage but i do not want to sleep with you..........Sorry



    Thank god

    Banned

    DLM

    How much will it cost to put my bf on my mortgage?


    doesnt he pay it all anyway?

    Original Poster Banned

    csiman

    doesnt he pay it all anyway?



    Yes

    Supermod

    DLM

    How much will it cost to put my bf on my mortgage?



    You will need them to undertake a Transfer of Equity and this will usually be about £150-£275+vat.

    Then you are looking at disbursements such as Land Registry fee (off the top of my head this is £50) and then bankruptcy searches. These are usually £3 per person.

    Plus you will need the consent of the mortgage company. It is easier to get this when adding someone on as opposed to taking someone off.

    If you are not married then I would also advise that you speak to your solicitor about a Declaration of Trust. Unmarried couples usually fall in to the trap of not specifying shares in the property which can be a problem if things go wrong between you. The fee for a declaration of trust can be about £100.

    Edited by: "magicjay1986" 27th Nov 2010

    Original Poster Banned

    magicjay1986

    You will need them to undertake a Transfer of Equity and this will … You will need them to undertake a Transfer of Equity and this will usually be about £150-£275+vat. Then you are looking at disbursements such as Land Registry fee (off the top of my head this is £50) and then bankruptcy searches. These are usually £3 per person. Plus you will need the consent of the mortgage company. It is easier to get this when adding someone on as opposed to taking someone off. If you are not married then I would also advise that you speak to your solicitor about a Declaration of Trust. Unmarried couples usually fall in to the trap of not specifying shares in the property which can be a problem if things go wrong between you. The fee for a declaration of trust can be about £100.



    Thanks MJ x x

    Supermod

    DLM

    Thanks MJ x x



    No worries. You could do the Transfer yourself but you DEFINITELY need to tax advice if you are an unmarried couple.

    The forms required for the Transfer (if you wanted to Google them and see for yourself) would be a "TR1" and also an "AP1".

    Any further questions just give me a shout!

    Good luck!

    mj yr amazing

    Banned

    michelleleemoo

    yr amazing



    ur not so bad yerself sweetcheeks!

    Supermod

    michelleleemoo

    mj yr amazing



    Oh, stop it!!

    Original Poster Banned

    Need to do this very soon

    Banned

    Holly thread bump!

    Don't do it DLM

    I predict it won't end well

    I would do it quickly - end of the world and all that :-)

    Original Poster Banned

    guv

    Holly thread bump!



    I am skint and need a cheaper mortgage lol

    dtovey89

    Don't do it DLMI predict it won't end well



    Optimist lol

    DAMNOME

    I would do it quickly - end of the world and all that :-)



    I wish my mortgage ended soon lol

    Get your mortgage changed if you can good time to do it.

    Original Poster Banned

    maccy1

    Get your mortgage changed if you can good time to do it.



    I need my bf's earnings lol

    DLM

    I need my bf's earnings lol



    Well if you need any help, give me a shout - there are loads of things to look into - one big thing is if you have to pay a fee to come out of your present one.

    Original Poster Banned

    maccy1

    Well if you need any help, give me a shout - there are loads of things to … Well if you need any help, give me a shout - there are loads of things to look into - one big thing is if you have to pay a fee to come out of your present one.



    I have an offset mortgage and I think it is fee free
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