I can not remortgage

[Parkerellis]

I am very worried and need some free advice if possible.
almost 3 years ago my exhusband and I were divorced due to adultry on his side. he left the marital home which was joint mortgage and never paid a penny to the household. I was left 4 months preg and with a 5 year old daughter to support which were both his.
I continued to live in the house and pay the mortgage and the arrears he left whilst juggling full time work and full time nursery fees.
In December 2013 he took me to court to disolve our financial ties which was only the house. He wanted half of my pension and other things but the judge decided I only needed to take his name off the mortgage and gave me 28 days to do it. I appeared at the court with a decison in principle and the judge was happy with that.
3 months on I have had word I have been unsuccessful with the remortgage. I have asked for a print out to submit to the courts and prove I have been ongoing in my efforts
I am struggling financially and can not at all afford a solicitor but I am scared what will happen now. I am trying my hardest just to live and support my children and do not understand what will happen now. I have no savings at all and so am concerned what possibly they can do?
My credit rating is ok but I just cant get a remortgage and its really getting me scared.
Any advice would be grateful :)
Thanks so much

[grobagsforever]

ok, on what basis were you turned down?

[JaneParker]

Have you tried finding a really good mortgage broker who knows the market and can look around?
Also do you have a parent who can go on the mortgage with you or a sibling? That often works.
At worst have you looked at if you could get a buy to let mortgage and move temporarily in with parents whilst renting the current home moving back when your income rises in a year or two?

I would try those 3 things first.

[MeMyselfAnd1]

You need an independant mortgage advisor, they work in commision so it won't cost you any extra.

My bank refused to offer a mortgage or let me keep the one I had when the house was transfered to me. And so did a couple if banks. The mortgage advisor was wonderful, better mortgage deal than I had before. Don't give up!

[dippinmytoe]

I was in court a few weeks ago over house etc, both our names are on mortgage. Judge advised taking his name off... my solicitor said in my position i will not get it solely in my name... but he has signed over any rights over house until my youngest is 18. The judge normally understands that it is pretty hard to transfer mortgage to one name.

[skyeskyeskye]

I agree with using a really good mortgage broker. Mine found me a mortgage using tax credits and maintenance as part of my income, which several wouldn't accept.