Removing ex partners name from mortgage

EleanorRig

Hi

I have recently started back at work after several years as a single parent.
My mortgage interest was being paid by the DWP and my ex partner hasn't paid anything towards it for the past 9 years. I am now paying the full mortgage myself
I realise I'd have to see a solicitor but I was just wondering whether anyone else has been in the same situation and what the outcome was.

Thanks

Jo_2k

Hi Eleanor

Not sure if this helps but I am in the process of trying to remove my ex's name from the mortgage. I am with northern rock and they have a form called "a change of parties" which I need to complete and send off. From this they will look at my incomings and outgoings and basically decide whether I can afford it or not. The fee is approx £250 but they only charge this if the application is successful but I will then need to appoint a conveyancing solicitor who charges approx £500 to get the deeds and mortgage transferred over to me. It would be worth you ringing them (presuming you havn't already) and seeing if your provider do anything similar which I'm sure they will.

Good Luck -it's such a headache isn't it!

Jo

Thrugelmir

The outcome will depend on your "ex". As he still owns half the property.

Could you clarify what you mean by this.

after several years as a single parent

Are you no longer a single parent? Are your children grown up?

EleanorRig

Thrugelmir wrote: »

The outcome will depend on your "ex". As he still owns half the property.

Could you clarify what you mean by this.



Are you no longer a single parent? Are your children grown up?

Thanks

I am still a single parent, they are 15 and 12

future_252

I am in a similar situation.........me and my fiance are in the process of separating. He wants to sign over his half of the mortgage to me and his solicitor has said that I need to contact Santander and they need to send something out for him to proceed with the change. I have spoken to Santander but say that I am not earning enough to be able to pay the mortgage (the annoying thing is that if I had to rent a one bed flat round here the rent would be the same as the mortgage!!!) Anyway, if anyone can come up with a suggestion on how I can get round this problem I'd be extremely grateful!!!

EleanorRig

I will just about be able to afford the mortgage (as long as the interest rates don't go up too much)

He only paid towards it for about 4 years when we were together, so I don't know how they'd work out how much he'd be entitled to when I do finally sell.

blue_monkey_2

Does he pay maintenance for the kids? My mum got my dads half the house off my dad as he did not pay anything but only when the youngest was 18. She went to see a soliitor and had the documents draen up.

EleanorRig

blue_monkey wrote: »

Does he pay maintenance for the kids? My mum got my dads half the house off my dad as he did not pay anything but only when the youngest was 18. She went to see a soliitor and had the documents draen up.

He has never paid any maintenance. Buys them clothes very occasionally

Thrugelmir

EleanorRig wrote: »

He has never paid any maintenance. Buys them clothes very occasionally

Why not? Contact the CSA.

After all he still owns half your home.

EleanorRig

Thrugelmir wrote: »

Why not? Contact the CSA.

After all he still owns half your home.

I contacted the CSA when we broke up - he has managed to avoid them as he is self employed and has lied about his income.

blue_monkey_2

EleanorRig wrote: »

He has never paid any maintenance. Buys them clothes very occasionally

Then go and see a solicitor. My dad refused to pay maintenaince and mum got his half of the house in exchange for this, on the proviso that she never went to the CSA (yes, he really is the toad he sounds!!).

There were a few rules tied to it such as her not being able to remarry until the youngest was 18, stupid controlling rules if you ask me, but anyhow, she got it from him and he had to sign it over with the form from the bank.

You'll get Legal Aid to do this and they put a charge on your house - well worth the money though don't you think?

A lot of these men that are quick enough to run away from their responsibilities are happy to wait in the wings waiting for something to happen. Needless to say he would probably have no hesitation in forcing a sale when the kids reach 18 and by then you'll have paid most of it and he will get half and you'll not be able to stop the sale.

Get in now and see a solicitor - tell them he has not paid anything and you want an agreement drawn up so you get his half in exchange for maintenaince.

Let us know how it goes.