Some advice needed

JBD

Stephb1986 wrote: »

It's not 3 bedroomed either his dad knocked two rooms into one so its two bedroomed.

Why should I contribute to the mortgage payments when his dad doesn't?? Why should I put a roof over his dads head???

Steph, presumably you would expect to pay your way wherever you were living?
This is a comparitively small mortgage anyway. Many couples have to pay much more. I don't see why you think you would have to give your FFIL all your money? You wouldn't have to pay for any subsequent debts, Just general living expenses.
TBH you have already been given the best advice possible.
1/ Step back, allow your fiance to sort out his own financial situation. It really isn't that different from a lot of other people who have been married and own property with other people.
2/ As you have savings and your own income look into buying or renting your own property, in your own name. You then solve the problem of not having anywhere to spend time with your fiance.
Personally I would advise you to stop worrying about what his Dad pays and what he doesn't . Take care of your own business and don't worry about other people.

Stephb1986_2

I do fully understand the situation he now faces and I rather sick having to go and tell him all this

I can confirm that he has a mortgage on a house that isn't in his name.

RAS

Chuck

You might want to use "maybe, am really concerned" tonight and advise him that he needs to see a solicitor with all the paperwork?

Then be there when the solicitor explains things?

After all you and we are going on what you have been told, not on the actual paperwork.

Zazen999

Stephb1986 wrote: »

I can confirm that he has a mortgage on a house that isn't in his name.

I find it hard to believe that any lender would allow this.

RAS

Zazen999 wrote: »

I find it hard to believe that any lender would allow this.

Me too which is why OH needs to take the paperwork to a solicitor. It is far from clear how much of what steph has been told is based on hard fact and how much on OH(or father)'s interpretation of the facts.

tandraig

Actually RAS and Zazen - its not unheard of for child(ren) to become co-mortgages and pay it all to buy the parents council house under the right to buy scheme. but a solicitor is always involved. and should (but dont always) explain that in which case there should be a will leaving the property solely to the co- mortagee.
steph, I can see your point hun, but as things stand its now your OHs fathers house - If your OH walked away - he would not benefit in any way and would in fact lose out. I cannot believe that they have turned a three bedroom house into a two bedroom!!! are they crazy??????????? it sounds to me as if the house isnt now worth what it was bought for!
your OH sounds lovely but very financially naive.
hun, it sounds to me as if what you will hear tonight will be a variation on 'love me love my dad/house'!
I wish you luck - and like you wouldnt live under those conditions either - so for me it would be no wedding sorry.

oops forgot to say - like it or not - its his DADS house not his, and his dad isnt going to move out. I really am sorry hun - but you have to get your head around that.

RAS

tandraig - in that case he is a co-mortgagee so dad is also on the mortgage?

iamana1ias

tandraig wrote: »

your OH sounds lovely .

he sounds defective to me.

Stephb1986_2

iamana1ias wrote: »

he sounds defective to me.

There is no need for that. He is showing loyalty to his dad without realising what he is doing to himself.

Stephb1986_2

RAS wrote: »

tandraig - in that case he is a co-mortgagee so dad is also on the mortgage?

I can also confirm that his dad is on the mortgage but makes no contribution to it.