There’s no mention of the other charge at all. The one I uploaded is a one owner debt though. It’s surprising how much misinformation there is going around. I’m glad I did some reading on this website. Thanks for your help

Hi… This is what is on the land registry title document, apart from the mortgage: RESTRICTION: No disposition of the registered estate, other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to Cabot Financial (UK) Limited (Co.Regn.No: 03757424) at care of Mortimer Clarke Solicitors, 16 Grafton RoadWorthing West Sussex BN11 1QP, under reference Xxxxxx, being the person with the benefit of an Interim charging order on the beneficial interest of A Person Name made by the County Court Money Claims Centre on xx date 2019 (Court reference xxxxxx). I noticed on the Stepchange website that it says an ‘ interim charging order prevents you from selling your property until the final order hearing’ there is no mention of the pending restriction the broker mentioned, unless she is seeing different information

The mortgage broker told me about the pending restriction over the phone. I’ll try and get a copy when I get home later and let you know what it says. I don’t understand why that would make a property unmortgageable though. Saying that, they also told me the all restrictions need to be paid at the time of the sale, which is wrong. thanks

Hi, yes home jointly owned. the pending restriction (for advice) is in joint names. the Mortimer Clarke restriction is in just one name. thanks for the quick reply

Hi… Got an eviction notice this morning, giving me 2 weeks to vacate the property. I’ve been told by a broker that I can’t get a bridging loan to pay CHL due to a pending restriction making the property unmortgageable. I have to ask for this to be lifted first. (This is for fees for repossession advice, instead of paying upfront). also, I was also told I would have to get permission from Mortimer Clark who have another restriction before I can proceed; if they say ‘no’ then I can’t get bridging finance. I have someone who is willing to pay market value but I’m being told I can only sell to a cash buyer… is this correct?

Hi all, my mortgage term expired 12 months ago(interest only) I got a DIP for a bridging loan to pay the mortgage off, which is 50% of the house value about 6 months before the mortgage expired. I didn’t use the bridging loan because my daughter and partner both said they would help us. they contacted the broker who had recently arranged their mortgage, to do a BTL mortgage, but with a discount in lieu of a deposit. They were advised to wait 6 months as they hadn’t had a residential mortgage for long. months later and after applying etc, the broker asked for the deposit, and due to the misunderstanding about the deposit, it turned out that we couldn’t proceed because a monetary deposit was required. we went to another broker, who didn’t see any problems, and suggested we went down the JBSP mortgage or an unregulated BTL mortgage route because we were related. Unfortunately, after doing a fact find and getting all the information required the broker we were using was away for a few weeks, then ill, hospitalised and said he couldn’t help us any further. He was very confident that we would be able to find a mortgage product and passed us to a colleague, who was also ill for a few weeks. in the meantime CHL obtained a possession order just as we were put in touch with someone who could help us. As soon as they heard about the possession order they said that nobody would be able to help us now. Apparently it’s too late to do anything. Sorry this is a bit long…. Mortgage is in joint names (mr&mrs) we have 2 daughters at home: 1 dependent adult daughter (we get full PIP and Carer’s Allowance for her) 1 daughter who is doing a nursing degree I work part time as does my wife (who was a driving instructor but had to stop for medical reasons which she doesn’t claim anything for) so income is not great. Any suggestions gratefully received….