Additional borrowing from my mortgage - FRESH IDEAS NEEDED

[gaspanic]

POSTING AGAIN FOR FRESH IDEAS

So I called up my mortgage company with whom my flat is mortgaged with with, and asked about "additional lending" ofcourse they ran through the numbers and said I was able to borrow up to 10K I was ofcourse pleased,

my question is they sent me a form with details of both applicants myself (and my mother) whos name is on the mortgage although I pay the mortgage and am the only income in my flat and live here alone (dont live with my mum I'm not Norman Bates), so I enclosed details of her as the second applicant but enclosed my payslips and bank statements, will they require hers too? or will they take into consideration MY affordability and wages since I am the payer of the mortgage..?

I tried asking them but they cannot shed any light at present since the post is in transition to them
(sorry this is a long one) thanks to all I will try not to bicker and stray from any anwsers like I have done so in the past in quite an immature manner.

[granny grump]

If the mortgage is a joint mortgage then mum will have to sign with you for it.You can request that the application only takes your income into account but a credit search will be done on both names. I assume tha t Mums income was used when the mortgage was originally arranged. The mortgage company may well do a decision in principle and then go through the figures
The fact that you say that you pay the mortgage and mum doesn't live there is irrelevent if it is a joint mortgage that's what it is

[gaspanic]

hi yeah mums income was taken into consideration when the mortgage was arranged I did mention I am solely paying the mortgage,
oh god my credit history is not good well none existant, but hers is quite good I would imagine being more wise with £ then the likes of me.

Yeah it's joint but there's still a glimer of hope they may not ask for her credentials?

[granny grump]

I wouldn't get you hopes up gaspanic - joint mortgage jointly responsible

[gaspanic]

shucks,

cheers anyway

[granny grump]

Your welcome - always worth trying - different lenders slightly different criteria but they would all look at affordability