Buyouts, renegotiation, bridging loans

All articles on this topic

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• Release of mortgage: when it is required, what it costs, and when to avoid it A registration lapses after the final instalment: the three cases where a release is required, the two where no deed is needed, and its real cost.
• Adjusting, deferring or suspending instalments: getting through a difficult period without changing your loan Adjusting, deferring or suspending instalments: what each clause really costs, the condition raised against you, and the written confirmation to get.
• Bridge loan: how it works, its 3 forms and what to do if the property does not sell Buying before selling: dry bridge, secured bridge or buy-to-sell, what the bank actually advances, and the outcomes if your property takes time to sell.
• Bridge loan in the western Lyon area: calculating the right term to request No sale period is published by municipality: the method to estimate yours in the western Lyon area, and to deduce a sustainable bridge loan term.
• Remortgaging in Lyon: the steps, in order, for changing bank Having your mortgage taken over by another bank: documents, processing, offer, settlement of the old loan, and the pitfalls that cause a remortgage to fail.
• Buyout of the equalisation payment and release from joint liability: keeping the property and taking over the loan alone Equalisation payment, transfer duty, bank consent, deadlines: what you need to arrange to keep the property and take over the loan alone after a separation.
• Debt consolidation with a mortgage: applicable regime, true cost and alternatives Consolidating a mortgage and consumer loans: the applicable regime, the true total cost, and the lighter solutions to try first.
• Repaying your mortgage early: paying the compensation fairly Repaying early is a right. The compensation is due only if the contract provides it, capped at the lower of two calculations. The exempt cases.
• Renegotiating your mortgage or having it refinanced: the calculation that tells you whether it is worthwhile Renegotiating or refinancing your mortgage is only worthwhile if the interest saved exceeds all costs. The method in six lines, and when to abstain.
• Separation or divorce with a mortgage running: who pays what, and what to tell the bank? Until the bank signs, you both remain liable for the whole loan. What to arrange as soon as you separate, and the order of the decisions after that.
• Transferring your mortgage to another property and keeping your rate Keeping your rate when moving: where to find the transferability clause in your loan offer, its conditions, and the solutions when it is missing.
• Long sale: how to finance a purchase when the deed is signed months after the preliminary sale agreement Long sale: when to submit the mortgage application, how to keep a loan offer valid until the deed, and how the seller can do without a bridge loan.