Can anyone advice me

babyblueblue

Hi I am currently living in a bought council house which has three years remaining in the mortgage. I also have a secured loan which will finish with my mortgage. I have been married for 21 years and have still got a son of 13 years living with us at home. I am wanting to leave my husband and don’t know the best way to do it. I have a feeling my son won’t move with me as he won’t want to change schools, I would be unable to live locally as my husband wouldn’t give me any Pease of mind. Can anyone give me advice on selling the house or getting my husband to buy me out. I am the main bread winner in the house and I doubt if my husband would be able to keep the house on himself. What is the easiest way round this.

EasilyAggravated

if you are really really sure that you want to leave, you need to speak to a solicitor.

does your husband know you want to leave?
if your husband cannot buy you out then the alternative is to sell the house, pay off all loans and mortgages and then split it

chirpy007

As your son is only 13 you cant force a sale. If your husband is agreeable then you can but if your the main breadwinner he will be unable to re-house himself and your son. As you believe your son wouldnt want to move with you l think your going to have to sit tight until he leaves education.


I imagine that your not in a position to buy or rent again and contribute to your first house.


Sorry, hope all goes well for you.

tanith

Sorry to hear that you have this decision to make, I agree with Chirpy that if you son wishes to stay put then it will be his welfare that any settlement would take into consideration. Allowing him to remain in his 'home' would be a priority whilst he is in full time education and that obviously could be a good few years.. only you can decide if you are prepared to wait this long.. You say your mortgage only has three years to run and then you would be better off financially and your present home would be secure for your son...

Maybe you could wait this 3yrs and then leave which would mean you would be able to rehouse yourself until your son was old enough for you to be able to sell the house and take your part of the equity...
If you wait the 3yrs your son may well be changing school for college at that time and be willing to move with you....

Would you really want to move far away from your son also?

Good luck and let us know how goes it

yes_2_bargains

Hi babyblueblue. I feel for you as my sister was in the very same situation as yourself. She left her husband a couple of years ago and has been a lot happier since. She was also the breadwinner and although did not earn much, managed to buy the house so that children won't need to uproot. The split was nasty at first but time has calmed it down. They have always thought of the children first and foremost. You've had very good advice so far. In addition to them, I suggest you consult an independent finance adviser. They have access to loads of finance options from mortgages to loans. When my sister tried to get a mortgage at first she couldn't find one that would deal with her directly as her earnings wasn't much. The adviser did not charge her anything and got a mortgage without paying legal or conveyancing fees etc. PM me if you want the adviser's details. Goodluck!

Fran

babyblueblue wrote:

..... I have a feeling my son won’t move with me as he won’t want to change schools, I would be unable to live locally as my husband wouldn’t give me any Pease of mind.

Would your son want to live with you if you moved near enough to get him to school? If you lived nearby and he hassled you you could get a court order. You would still be able to get son to school and live say up to 20 miles away or so, depending on the geography where you live and transport provision, which is far enough for him to not bother you.