15:52 PM, 6th August 2019, About 2 years ago 3
My spouse and I own a number of BTL properties in joint names which were mortgaged with Mortgage Express. These mortgages have since been sold to Topaz/Rosinca. We have heard so many horror stories about MX and as a result we have been paranoid and squeaky clean, never any arrears and just quietly getting on with it. I don’t trust this company an inch. We each have some Rosinca mortgages in individual names too.
Now we want to make a change and we’re worried about how it might go. We are getting divorced and wish to divide the jointly held properties up and transfer them into our individual names. We would like to transfer the legal title, and also the mortgage. The eventual aim will be to remortgage away from Rosinca to another lender for all of them.
So the questions are:
1. Should we be looking at remortgaging and transferring the ownership simultaneously?
2. Would we need to also remortgage the individually held properties at the same time?
3. Is there likely to be any issue with the mortgage clauses such as consolidation or “all monies”?
4. Is Rosinca likely to get arsey about any of this?
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