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Divorced and mortgage in negative equity
Katherineanton
Posts: 33 Forumite
Hello,
I would really appreciate some advice please.
I have a mortgage with my ex-husband of approx £220k and the property is now worth about £185k.
We went our separate ways in February 2009 and he then met a new partner who now lives with him in the property. His salary covers the mortgage and his partner also owns another property from which she receives rental income.
The joint mortgage is through Santander and I have approached them to take me off of the mortgage as my ex's partner wishes to go on instead (she is fully aware there is negative equity). Santander have said that this is not possible (they also said that had it have been a mortgage through another lender then they would have taken me off).
My concern is that the house is in a terrible state of repair (my ex has a serious hoarding problem and loads of animals and the house is filthy) and my children will not go and see their father because of this.
I live with my two children (from my ex) with my partner and wish to go onto his mortgage as we have a joint account and I pay half of everything.
We are divorced now (finalised about 18 months ago) and this is the only financial "remnant" from the marriage, so would like to see it sorted. Is there anything that can be done? He does not wish to move/sell the house and I feel very frustrated that I am legally liable for a house that his new girlfriend lives in (although I have no issues with either of them!)
Can anyone suggest a way in which this can be sorted.
I would really appreciate some advice please.
I have a mortgage with my ex-husband of approx £220k and the property is now worth about £185k.
We went our separate ways in February 2009 and he then met a new partner who now lives with him in the property. His salary covers the mortgage and his partner also owns another property from which she receives rental income.
The joint mortgage is through Santander and I have approached them to take me off of the mortgage as my ex's partner wishes to go on instead (she is fully aware there is negative equity). Santander have said that this is not possible (they also said that had it have been a mortgage through another lender then they would have taken me off).
My concern is that the house is in a terrible state of repair (my ex has a serious hoarding problem and loads of animals and the house is filthy) and my children will not go and see their father because of this.
I live with my two children (from my ex) with my partner and wish to go onto his mortgage as we have a joint account and I pay half of everything.
We are divorced now (finalised about 18 months ago) and this is the only financial "remnant" from the marriage, so would like to see it sorted. Is there anything that can be done? He does not wish to move/sell the house and I feel very frustrated that I am legally liable for a house that his new girlfriend lives in (although I have no issues with either of them!)
Can anyone suggest a way in which this can be sorted.
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