How much mortgage should he be paying?

Gorgeous_George

If I was you, I'd move out and let him pay the mortgage. You would be liable for it too so be prepared to pay half (but you are both liable to pay all of it).

Your credit card is your credit card and you are responsible for paying that. The other bills will be in one name or the other. Whoever is named should pay them. If they are in his name, he should cancel the accounts.

It will get messy. Tell the council and you only have to pay 75% of the council tax.

Sell as fast as possible and get on with the rest of your life.

GG

getmore4less

I don't think either of you is going to be able to take this on without help from somewhere.

You need a new mortgage at around £125k asuming £25k each deposit.

Far too much for you and probably too much for him, even if was all his deposit it will be tight for him.

Price to sell and cancell everything you can to preserve money.

Get the 25% discount(He can still pay the same as he is now), you are mad not to be cutting costs and getting the place sold quickly.

Get you priorities right,

You are worrying about £500 CC and a £50pm council tax the house will be losing more than £1k per month, so if you don't sell soon you are going to owe money or get less of your(if you supplied any) deposit back.


Think yourself lucky he has been paying more upto now and has let you stay in the place when there is no chance you can be the one left with the place.

linz192

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grogdog

if his name comes of the deeds you will have to prov affordability ofr entire amount, as everyone else has said credit card debt in your name is your problem( irrelevant as to how it was split betwen you) , you are both equally liable for the mortgage 50 50.
this is the answer no point saying we should be trying to save you money.

grogdog

couldnt remember when i first posted but you are unlikely to get 100k mortgage on your 20k income with 1k debt(lenders will take 5% ie £50 p/m)