stuck in a house with my ex HELP!!

laurasmith02

me and my ex boyfriend bought a house 3 years ago after being together for 2 years then last month he told me he wanted to finish completely out of the blue and i have now found out he had been seeing his ex behind my back. so im now stuck living in the house with him, i moved away from my family to be with him but his family still lives close but he refuses to move out and he wont even think about renting out the property or letting me go and him get lodgers in. i have no idea where i stand legally. we had our house on the market anyway its been on for a year but we cant shift it and we cant really lower the price otherwise we wouldnt be able to pay the mortgage off. can anyone please help me as i going crazy being stuck here!!

Thrugelmir

laurasmith02 wrote: »

me and my ex boyfriend bought a house 3 years ago after being together for 2 years then last month he told me he wanted to finish completely out of the blue and i have now found out he had been seeing his ex behind my back. so im now stuck living in the house with him, i moved away from my family to be with him but his family still lives close but he refuses to move out and he wont even think about renting out the property or letting me go and him get lodgers in. i have no idea where i stand legally. we had our house on the market anyway its been on for a year but we cant shift it and we cant really lower the price otherwise we wouldnt be able to pay the mortgage off. can anyone please help me as i going crazy being stuck here!!

Reduce the selling price and sell the property. Or alternatively see if he will take the mortgage on himself. Your sanity is worth more than money.

sunnysea83

I really feel for you, if i was in your shoes i would either reduce the price to get rid of the property. if the property has no equity then why not get him to remortgage just in his name and then your free.

pawpurrs

Why is he being so difficult when he is the cause of the relationship break down?
Sounds like you are giving him options but he isnt listening? Surely he wants to be able to move on too? What is it that he would like to happen?
If you both want to sell, then you have to reduce the price by the sound of it if it hasnt sold in a year, and havent reduced at all in that time then thats a must, I realise that you may have no equity, but if you want to move on its one of the options you will have to find the shortfall.
Other alternatives are that if there is no equity, you sign the house over to one or another of you, but you will have to have the income multiples alone, for the bank to consider it.
Horrible situation, but one that is best faced head on, so that you can both move on.

lincroft1710

If he wants to finish with you, why won't he let you go? It doesn't make sense, or does he want to control you and have a relationship with another?

You don't say if you put down equal amount for deposit or what is owing on house or how the joint ownership is worded, but I think you need to see solicitor to find out where you do stand legally.

laurasmith02

i feel like he's quite happy just living with me and messing me about but i need to get out so im going to go to the estate agents this week and reduce the price and hopefully parents can help out with any money. would citizens advice be able to advise me where i stand legally? it was the hsbc homestart mortgage so was 100% but we have only been paying the interest it changes to repayment this year so we have a mortgage for more than the house is worth anyway but i think i just need to shift it and let it be a huge lesson learnt! thank you all so much its good to hear others views especially when you feel so trapped!

lincroft1710

Laura, I'm sure you've made the right decision, good luck.

pawpurrs

I think its the right thing to do. If its been on a year, what has the feedback been and what sort of level of interest have you had?
Come over and join us on the selling in these difficult times AKA sellers support thread, we are a friendly bunch! And know just how difficult it is to sell at the moment.
Any shortfall will have to be paid on completion, split between the two of you, so he will have to be in agreement, if you dont have the cash, then you may have to consider a loan to cover it.
Hope it sells soon for you.

Ulfar

There is also the nuclear option, move out and don't pay anything towards the mortgage. If the house is repossessed you will either have to pay of half of the shortfall each or declare bankruptcy.

Is he not willing or able to take over the mortgage on his own. If its a case of not being willing but he would be able then the above option may be your only choice.

Whatever route you choose I would still move out, it sounds like you want to move back to where your family live.

poppy10_2

You should really get your own solicitor in this situation too