Can you help me ? want to check see if my partner is telling porky's :)

JazzyJ

They can't sell it without his agreement, and he can't sell without theirs. If he has a mortgage, then he would have had to have been the registered owner as the deeds have to match the named person on the mortgage. Frankly, if I was 'gifting' anyone a large sum of money to purchase a house, I would want a charge or interest on the deeds too. He can't just add you to the deeds either, his mortage lender would need to approve you being added on, which means they would credit check you to ensure that you would not be a bad influence on the mortgage holder. I am not saying you are, please don't misunderstand me, all I am saying is that is what a lender would do.

hm71_2

why not put in for a council transfer- this way you still move to be nearer your partner, but have your own space to begin with whilst you see how the land lies. any issues with OH mum will soon come to the surface and you won't be left without security. you've managed your relationship for 4 years apart, a little delay for your own sanity may be well needed.

redpoison

awe you guys are all great

I have put in for a council exchange but no one wants to come to this part of wales from leicester There is someone in leicester near his home but she wants to go cornwall, there was one person in cornwall that wanted here (we could of done 3 way) but her hubby backed down, as he wants rural.. urghh (fussy begger)

i wouldnt be able to get a mortgage as i am not working yet, (hoping to when i get there).. And to be honest she wouldnt sell her half, she has no trust in anybody because his first partner and him bought a home together but she did the dirty on him and he left and had to go bankrupt. so she just looking out for him. But is to interfering for my liking.. it's all such a mess. .. he really wants me there and i really want to be there, but he doesnt want to hurt her feeling's as he knows she will turn (without admitting it).

now my parents have offered to get me a loan to get this house i am in now stunning, just so i would stay! ad they are afraid for me, but i mean i just want to settle down with my partner and children and be a family.

he wont move down here, he has a 13 year career which he loves and is well paid, there is no job's like he has down here and nothing down here for me to be honest.

do i risk it all? i got nothing to loose ?

so what do i do? urghhh

hm71_2

I think I would be tempted to contact the local council in leicester, to see if they can help- sure there is a thing about moving to be nearer family etc.. as OH is father to your child etc..
I would be very wary of throwing all in to be with OH- even if MIL is not that bad, what is the sisters motivation for sticking her oar in??? I really would try and get a place of my own rather than be dependant on OH. could end up being a problem long term.

lotto-dreamer

Glad you managed to get the copy of the Register downloaded okay. At least you know how things stand.

I rather suspected there would be a restriction with your OHs parents involved. It seems very unlikely his parents would allow you to be put on the deeds. So I think your answer to that is clear.

There will be a Trust Deed held somewhere-either a copy filed at the Land Registry which you may be able to order online if it is mentioned on the Register as "copy filed" (usually sent by post) . The Trust Deed clarifies who gets what percentage after payment of the mortgage etc if the property is sold. This is not always noted on the Register though and if there is such a document, which I assume there must be, it will be held with the rest of the title deeds (probably by parents' solicitors!)

A restriction can of course always be removed - but you probably would need to pay out the parents their interest in the property. This could be expensive. But perhaps your OH could remortgage and you could join in the mortgage so that your combined salaries are taken into account enabling you to pay parents out. If they would let go of their 'hold' over your OH.

This is really a very tricky situation. Good luck.

HelpWhereIcan

As hm71 says, it may be best for you to get somewhere in Leicester rented. A related option could be for oh to move in with you and share the rent etc.

OH and mother could then rent out the house while the two of you see how things go living together etc.

Your relationship then may develop and strengthen to the point where he feels comfortable standing up to mummy (although my wife is now in her thirties and just getting to the point where she can roll her eyes at some of mum's requests).

Either way, you get to move in together and live as a couple with MiL's influence reduced and have a clear message sent to her that she cannot interfere.

You can then make a decision to move into a property you both own - whether his current one or another you buy after selling his.

May be a good thing in the current market as it may give you a couple of years to see any falls through and be able to pick a good time to enter the market on your own terms.

Let him know your concerns and the grounds for them. Explain what his sister told you and what your issues are. If he still brands you as a gold digger, that probably tells you more about his suitability to you and the chances of him cutting the apron strings ever than it says about you not trusting him etc.

He has already lied to you about the role his mum has in the ownership of the house. How likely is he to lie about the actions of his mother etc if you are living in a house that he owns with her?

redpoison

I spoke to the council up there and was adviced the only way i could get a council property there would be to swap with someone, i am down on a lot of websites for exchange's and on their council register, they can not get me a property because i am not from leicester, i have to be living in le icester then apply and then there is a huge waiting list.

I could not rent in the part of town where i know because the landlord's want full rent, they will not accept housing benefit , he would not rent his house out, it is to nice there, alot of work has been done, and i know for a fact his parents would not allow it!

My only option is to just move in with him, we already discussed ground rules which he obide's by when i am visiting, he is 100% committed and so am i.

I am sure we will work out, he didnt lie to me, he just dont understand about things like this, he told me he owns the property nothing was mentioned about restriction, he probably didnt know what he was signing, his mum is so sly! and he is not a bright bloke!

Am sure once his mum accepts i am not going anywhere she will then realise we are in it for the long, not like his ex..

silvercar

The real problem is the charge (on the deeds) prevents your BF doing anything without their agreement. So even if you paid them £100k, they could refuse to allow your name to go on the deeds!