Ownership of House

Handyman_Mark

Can anyone help - I have a joint mortgage with my wife - the house deeds is my wifes name only she will not put my name on it. We have paid the mortgage together and I am wondering if I am entitled to anything if she dies or we divorce any help please would be good

McKneff

i think that as you are married and if you are joint tennants on your mortgage as opposed to tennants in common then if she died the house would revert to you.

As far as divorce goes, you could be up the creek without a paddle once your mortgage is paid.

Is she saying why she wont put your name on the deeds and how come hers was the only one put on originally

Handyman_Mark

She has this thing about "Its my house not yours -if you dont like it theres the door !!! - we been married 13 years

paulmcn

you will be able to register your matrimonial home rights at the land registry, simply go online www.landregistry.gov.uk and get the forms or contact your nearest district land registry.

shoud solve the problem

CLAPTON

Its unusally for a mortgage to be joint but the house to be owned by only one party... are you absolutely sure about this?

Handyman_Mark

Yes absolutly sure . When we first got together she had only recently taken out the mortgage with her ex husband, 4 weeks after they moved into this property they started divorce proceedings and he left the family home in the divorce proceedings my wife had his name taken off the mortgage and my name put on the mortgage, she also had his name removed from the deeds to the house and it was then that she refused to put my name on the deeds. Even though we have had a further advance on our mortgage for a loft conversion she still refuses to accept me as joint owner of the house, do I stand any chance of ever having any stake in the house considerng I have jointly paid the mortgage for 13 years ?

luckyfool

In the event of a divorce a judge would take into account your contributions to the marriage and the mortgage over that 14 years whether you are on the title deeds or not. The house may have been her asset coming into the marriage, however the equity built up over the last 14 years through yuor joint payments to the mortgage would probably be taken into account. Obviously not a lawyer here so do seek independent legal advice from someone who knows what they are talking about (I did study law at university, however what legal training I have is out of date and was primarily based on the Scottish legal system!).