{"id":83085,"date":"2018-03-19T14:00:26","date_gmt":"2018-03-19T07:00:26","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-64-with-a-poor-credit-history-how-can-i-remortgage\/"},"modified":"2018-03-19T14:03:52","modified_gmt":"2018-03-19T07:03:52","slug":"im-64-with-a-poor-credit-history-how-can-i-remortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-64-with-a-poor-credit-history-how-can-i-remortgage\/","title":{"rendered":"I\u2019m 64 with a poor credit history \u2013\u00a0how can I remortgage?"},"content":{"rendered":"


\nIt\u2019s worth looking at options such as equity release mortgages that could help you stay in your home Q My wife and I are stuck. We live in a house that we\u2019ve had for 25 years and our interest-only mortgage is due for repayment in six months\u2019 time. Our lenders are being very decent about a possible short-term extension. But our plan of getting a remortgage in my wife\u2019s name (she\u2019s young enough to get a repayment mortgage) has come a cropper. Nobody, it seems, will give her a mortgage without me being on the mortgage too. But I\u2019m 64, ill and have an IVA cleared about 13 years ago. Because of my age and poor credit history, I believe any joint applications will fail. If she were buying a property on her own, there would be no problem.I simply don\u2019t know what to do. It seems that we will be forced to buy something else when we don\u2019t want to. Can you suggest anything? It seems to stump everyone and it\u2019s manifestly daft. SC Continue reading…
\n
\nSource : theguardian.com
\nRead more…I\u2019m 64 with a poor credit history \u2013\u00a0how can I remortgage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s worth looking at options such as equity release mortgages that could help you stay...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-83085","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-lC5","jetpack-related-posts":[{"id":110799,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-can-we-remortgage-when-my-husband-is-aged-62\/","url_meta":{"origin":83085,"position":0},"title":"How can we remortgage when my husband is aged 62?","date":"September 16, 2019","format":false,"excerpt":"\r We can\u2019t find an affordable deal from a bank due to his age, despite having a lot of equityQ My husband and I are stuck in a bit of a Catch-22. Since 2004 we\u2019ve had an interest-only mortgage of \u00a3153,000. Our house is now worth about \u00a3303,000 so we\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":139985,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-we-take-a-two-year-fixed-mortgage-or-a-cheaper-five-year-deal\/","url_meta":{"origin":83085,"position":1},"title":"Should we take a two-year fixed mortgage or a cheaper five-year deal?","date":"October 23, 2023","format":false,"excerpt":"\r We feel very squeezed as our mortgage is heading for a big jump in November but we can\u2019t work out which deal to takeQ My husband and I are remortgaging in November. Our options aren\u2019t the best. We\u2019ve been offered a two-year fixed-rate deal at 5.64% with a product\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":101436,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-i-remortgage-for-the-final-18-months-of-my-loan\/","url_meta":{"origin":83085,"position":2},"title":"Should I remortgage for the final 18 months of my loan?","date":"November 19, 2018","format":false,"excerpt":"\r I have an interest-only mortgage and I\u2019m a bit concerned in case the rate goes upQ My current fixed-rate mortgage deal ends about 18 months before my mortgage comes to an end in 2022. 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At\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":123517,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-i-remortgage-now-even-though-my-fixed-term-hasnt-ended\/","url_meta":{"origin":83085,"position":5},"title":"Should I remortgage now even though my fixed term hasn\u2019t ended?","date":"November 30, 2021","format":false,"excerpt":"\r With interest rates looking likely to rise, I might be able to bag a better deal by switchingQ I\u2019m just coming into the final year of my five-year fixed-rate mortgage (it ends in January 2023). 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