My partner and I are separating: Can one of us keep our 共同の mortgage?

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My partner and I recently took a five-year 直す／買収する，八百長をするd mortgage 取引，協定 but we are now splitting up and selling the house.

As we both 計画（する） to buy a new 所有物／資産／財産, would it be possible for one of us to port the 取引，協定 to a new mortgage, keep the 存在するing 率 and 避ける an 早期に 返済 告発（する），告訴（する）／料金? It is with 全国的な.

SCROLL DOWN TO FIND OUT HOW TO ASK DAVID YOUR MORTGAGE QUESTION

Mortgage help: Our 週刊誌 Navigate the Mortgage Maze column sees 仲買人 David Hollingworth answering your questions

David Hollingworth replies:?Splitting up when a 関係 comes to an end is never 平易な, and dividing up your money and 支え（る） rty is only likely to 追加する to those 問題／発行するs.?

Mortgages can often need to be reviewed and rethought as a result of the 分裂（する）, which can open up さまざまな problems.

A couple going in separate directions can 潜在的に lead to a need to sell the 現在の home.?

Selling a home will come with cost in its own 権利 含むing 広い地所 機関 料金s, 合法的な costs and 除去s, let alone other costs to buy another 所有物／資産／財産.

支払う／賃金ing off the 現在の 取引，協定 would be likely to 追加する to that cost. Most 直す／買収する，八百長をするd 率s will carry an 早期に 返済 告発（する），告訴（する）／料金 (ERC) throughout the 直す／買収する，八百長をするd 率 period and that will be true of 全国的な's 取引，協定s.?

The exact 告発（する），告訴（する）／料金 will probably depend on the 条件 of the 取引，協定 itself and how long ago it was taken.

Many 製品s will 告発（する），告訴（する）／料金 an ERC as a 百分率 of the 量 repaid, but also 許す the mortgage 支えるもの／所有者s to make some level of 刑罰，罰則-解放する／自由な overpayments, typi cally 10 per cent per 年.?

These 告発（する），告訴（する）／料金s will often step 負かす／撃墜する throughout the period of the 直す／買収する，八百長をするd 率, so the 百分率 減少（する）s over time.

全国的な's 現在の five year 直す／買収する，八百長をするd 率s 告発（する），告訴（する）／料金 an ERC at 5 per cent in years one and two, then 4 per cent, 3 per cent and 2 per cent for each remaining year of the 直す／買収する，八百長をする.?

It's important to check the 明確な／細部 詳細（に述べる） on the 製品 as the 非難する structure can 変化させる with time, so could 異なる (and かもしれない be いっそう少なく) than the 現在の approach.

However, there may not be a need to take the ERC on the chin as an 付加 cost if one of you 計画（する）s to remain in the 現在の 所有物／資産／財産 or 計画（する）s to move to a new 所有物／資産／財産.?

Can you port a mortgage after a 分裂（する）???

Porting is when the mortgage is transferred to a new 所有物／資産／財産 and so 避けるs the 支払い（額） of an ERC.

As mortgage 率s have 増加するd, the ability to keep 持つ／拘留する of an 存在するing 取引，協定 has become even more 価値のある. Depending on when you took the 初めの 取引，協定 it could be 意味ありげに 詐欺師 than the mortgage 率s 現在／一般に on 申し込む／申し出.

That could make it much cheaper to keep 持つ／拘留する of the 現在の 取引，協定, and so is 井戸／弁護士席 価値（がある） 調査するing. In fact, in the 現在の 気候 the mortgage may be so much better that deciding who gets to keep it could be a bone of 論争 between separating partners.

Some 貸す人s can even 許す the 存在するing mortgage to be 分裂（する） between separating couples, which would enable both to 持つ／拘留する on to a 株 of the mortgage.?

Others will enable the 存在するing mortgage to be ported, but not 分裂（する）. Then, it will essentially come 負かす／撃墜する to the first person to reach 申し込む／申し出 行う／開催する／段階 getting to keep the 取引，協定.

全国的な isn't able to 分裂（する） the 貸付金 to be ported to different 所有物／資産／財産s, but in this 事例／患者 it sounds as though one of you will be able to take the 取引，協定 to a new 所有物／資産／財産.?

However, it's always 価値（がある） pointing out that porting a mortgage to a new 所有物／資産／財産 will be 再評価するd によれば the 貸す人's 基準 at the time.

Taking a mortgage from two 指名するs to a 選び出す／独身 指名する is likely to see the level of income 落ちるing, so affordability can be 圧力d when couples 分裂（する） up.?

It's therefore 価値（がある） taking advice on your individual circumstances to understand how the 基準 will match up, and make sure that as much income is taken into account as possible.?

For example, 貸す人s can take very different approaches to 維持／整備 income, where applicable.

Hopefully there won't be too much 複雑化, and one of you will be able to keep 持つ／拘留する of the lower 率 and 避ける a chunky 早期に 返済 告発（する），告訴（する）／料金.