Mum leaving Step-Dad

inch_high

Rehomng is her primary concern. Especially as she has a dog and would struggle to rent privately as most don't accept dogs

woody01

At the end of the day, she gave up her home to move in with him

It wasn't her home........it belonged to the council.

DUTR

As others have suggested, she can see a solicitor, however even though she gave up her home to move in, don't expect him to have to pay her off, if she had not moved in, she would still have had incidental living expenses, she would have to prove she made a significant contribution into the household, as an aside, even when they did get married let's assume he sold the house and they got somewhere together in a joint mortgage, he would still be entitled to his % of the deposit before the equity is split.

margaretclare

The OP doesn't give Mum's age, but probably her best best would be to look into some kind of sheltered accommodation offered by a housing association, formerly council, most have been off-loaded onto HAs. She may be classed as a 'vulnerable adult'. Sheltered accommodation may be available from age 55, 50 in some areas. It's worth asking.

Although the starting-point is said to be a 50/50 split, in a short marriage it seems to be common that both parties leave with what they came with.

Not being asked for opinions, but I agree wholeheartedly that the right-to-buy scheme has been much abused. We've seen example of this quite blatantly on these boards.

Idiophreak

woody01 wrote: »

It wasn't her home........it belonged to the council.

And she didn't give it up, she gave it to her son

Caz3121

She 'may' be able to get a share of the increase in value of the property since she moved in however in light of the way the property market has gone this is unlikely to amount to anything over the last 2 years as many properties have gone down.

She will struggle with getting help for rent from benefits as she will be deemed to have a property already. I assume with a big discount there is a fair amount of equity in the house so this will be treated as capital although I believe it can be ignored for 6 months if the property is up for sale

inch_high

Caz, it's in negative equity according to the indexed valuation. When I bought it, I raised extra cash to fit new bathroom, kitchen and sort out the garden. It's currently at about 111% LTV...

RAS

inch_high wrote: »

She was leaving the house to move in with him. I was in a position to take the house on, and as such she helped her son out by going joint names on the mortgage and allowing me to buy it.
Although she is technically joint owner, myself and GF pay the mortgage, there are two kids and a dog so having my mum move back to the house permanently isn't really an option.

The other factor would be that in any divorce settlement, the value of her share in the ex-council house would be consider and off-set against her husband's equity in the house in which they are currently living.

She would find it harder to argue for resettlement support as she already has alternative accomodation available.

Fang_3

inch_high wrote: »

Julie and Richard, thanks for your support. It's a shame that this site throws up such negative responses from certain members.

Fang, you get an "A" for effort, but it's hardly crucial info is it. She was leaving the house to move in with him. I was in a position to take the house on, and as such she helped her son out by going joint names on the mortgage and allowing me to buy it.
Although she is technically joint owner, myself and GF pay the mortgage, there are two kids and a dog so having my mum move back to the house permanently isn't really an option.

Running Horse, you're right about the council, she would be looking to rent privately


For those that want to post more negative comments, don't bother, I'll be ignoring them.

Doesn't matter. Your mother owns half a house, so if she tries to get any money from him, then he would be entitled to have that house counted in the settlement.

inch_high

It's in negative equity by about £15k, I doubt he'll want half of a debt...