You haven't stated your income as this would have a bearing on a new mortgage as well. The downside of a new mortgage is that the interest rate may be higher than you are currently paying and most lenders now insist on a repayment mortgage, so if you are currently on interest only, this will increase your costs each month.

You may be able to remove your wife from the existing mortgage (with her agreement) and add your new partner later on when you are in a position to remortgage.

If the CCJs were settled within 30 days of the judgement then they shouldn't be recorded (or the can be removed) in your credit file. You might have to wait 6 years for the defaults to be "forgotten". An independent mortgage adviser can talk through the details but I suspect that the choices may be to wait a few years, pay a high interest rate or for your partner to apply (she might borrow only about 4 times her annual salary though).

Was a financial settlement agreed as part of the divorce and did this involve the property and/or its equity?

Thank you for the reply. Do you know of any lenders that would consider me, given my circumstances?

You and/or your partner will need to satisfy the criteria for a new mortgage if you are wanting to replace the old one. The new mortgage doesn't need to be with the same lender.

Hi
I have gone through a divorce and collapse of my business and, having spent the last 3 years getting myself back on track, I am trying to get my ex wife removed from the mortgage and my new partner added (we are expecting a baby, so it is at a stage where I need to get things moving!).
My current mortgage is with TMB, who no longer accept transfers of equity. Current mortgage is £215k and the value of the house is about £300k.
I am self employed. I have had 2 CCJ's in the last two years but both have been settled and set aside by the court. I had defaults on cards at the time of my business collapsing but these are all over two years old.
My new partner is in full time employment, has an impeccable credit history and earns £21k per year.
I also have 3 BTL's. These are all with BM. I understand that they do not allow transfers now either, but I am willing to sell these (won't make any money on them!) just to get that side sorted.
I have already raised the cash to pay off my ex wife, so I do not need to raise any additional funds.
Is there ANYTHING I can do?