Help Needed - Relationship Breakdown - Mortgage & Contents Advice Please

ChrispyDuck

MarkP80 was there any mention of children in either the OP's posts or mine? No! So your case is irrelevent.

FYI not a bitter divorcee, just someone who's looking at the plain facts and making my own judgement based on my own morals from that.

It's quite obvious you're in the Heather Mills camp on this subject.

belfastgirl23

Thing is that the OP is trying to be reasonable by only claiming 33% when legally she's entitled to claim for 50% and her ex is still being arsey about it. I'd guess she knows he's like this which is why she's left him. That's why I would have started at 50% with every full intention of going to 33% but leaving him room to feel he'd won something since he clearly feels that he needs to squeeze a bit more out of her. At the end of the day, she's the one who is going to have to find somewhere new to live etc and she is incurring more inconvenience because of the split than him so i think he should try to be reasonable about things...

Gorgeous_George

You need to resolve this matter with some urgency. You need to ensure that you walk away forever - staying on the mortgage is a bad idea.

Who wanted the relationship to end? If it was you then it may be reasonable that you pay all the fees for selling/redeeming the mortgage. It may not. If it was him, then it is nott reasonable.

You need to speak to your lender. They may not be prepared to allow you to remove your name. Maybe not even when the current deal ends. You could be stuck to this mortgage for 25 years or until the mortgage is paid off. You will find it difficult to get another mortgage while still having a share in this one.

Make him an offer (in return for your name being removed from the mortgage). This could be in the form, of money or perhaps you could take some of the furniture.If you cannot take your name off the mortgage, do not move out. Instead, come to some agreement whereby you share the house until things can be finally resolved.

If you cannot come to an agreement, I suggest you sell up and split the equity and costs equally (or however you both agree).

Buying a house with someone is a bigger commitment than marriage and kids.

GG

Idiophreak

Can I just check the situation as I understand it:

OP has been paying 1/3 of the mortgage repayments, but has 50% of any equity. As house value now is same as house value then, amount of equity is going to be tiny 2 years into mortgage, aside from any deposit - so I'd say just forgetting about this is probably the way forward.

As to contents, just try and sort it out like grown-ups. GF and I are in the same situation you are(or rather were - paying 60/40) We have three rooms...I'd have thought if we split she'd take most of the stuff from the bedroom, as it's quite girly and anything else of particular sentimental attachment - I don't think she'd be too concerned with getting her pound of flesh. If I thought she'd ended up with much less than half of the contents I'd expect to give her a cheque for the rest.

People should really be clear up front what they'd be entitled to in the event of a split.