they mortgage is portable but it says only if our circumstances are the same and the mortgage we take out must be same amount or higher that the original mortgage.

i have read on these forums of people who have got their erc back but i really dont want to have to go down that route as i can;t afford legal fees

hi everyone.

im just about to sell my house but unfortunately i am going to be about 6 weeks from the redemption penalty end date.

has anyone got any ideas on if i can tackle birmingham midshires regarding the £7000 they want to charge me for 6wks.

my new mortgage is going to be with halifax which i believe is a subsidiary.

I really cant afford to pay the £7000 but i can't afford to lose house sale either and everyone in chain is really pushing .

any ideas would be gratefully received.

also if i have to wait until after mortgage has ended to try to claim back charges where the hell do i start, it all looks really scary and way above my head.:grin: