joint mortgage

[stephen2504]

what happens if my partner has moved out and wants there name off the joint mortgage and the mortgage company wont accept me taking on this mortgage on my own

[stephen2504]

im always using my overdraft on my bank account but the bills and the mortgage always get paid will this affect my credit rating i have no bank loans or credit cards and have had no ccjs i earn 20000 a year and the mortgage is 45000 over 20 year

[dzug]

The worst case is you have to sell the house.

Try another mortgage company - 2.5 times salary sounds quite normal - unless of course your partner wants their share of the property and you have to raise more money to buy them out.