raiden· Senior Member
Discussion Starter · #1 ·
Me and the wife want to put a offer on a house but we got a few issues. Got a deposit and im 90% sure if we give the seller the asking price he will accept but heres the problem. Before we where married my wife owned her own flat which we still live in on a residential mortgage and she owns the shop below her flat which she runs here businness from. When we got together I owned nothing but she was having 2 flats built and at the time the building costs where going up and up and she had to sell one which I brought to get on the ladder. Then about 3 years ago I come in to some money and brought a place we where going to move into but something happened I had to rent it instead. So I called my bank as they got some good offers but if we do it joint they say because we already have 2 residential mortgages together then no can do. If I do it on my own I dont earn enough so we are not sure how we can do this? I thought maybe try with someone else and say all I have is 2 rentals (which I can prove all my earnings on it) and hope they cant check what type of mortgages there on or could I call the bank and say I want to rent this place out what can I do?