edx bankrupt...losing house help?

silvercar

Can i ask a quick question. What if the ex is on the mortgage but not on the title deeds and the ex goes bankrupt?

Nothing, if he has no equity there is nothing for the OR to take.

But lenders generally require title deeds to match the mortgage. It is only as a result of situations like bankruptcy and divorce where the deeds dont match the mortgage.

For the OP's problem. How long was the ex helping with mortgage before you took it over five years ago? I'm thinking you have earned a bigger percentage of the equity.

Certainly argue that, particularly if you have been paying a repayment mortgage, so paying off some of the mortgage and increasing the equity for the last 5 years.

downsizer3

I was in a similar position with my ex. He was in a bad financial position and owed lots. He had left the house and our relationship but his name was on title / mortgage, although I had been paying it all ( I know, I know.....). I was trying to get him off title but couldn't as he was 'insolvent'. The only thing that saved me was that I had a legal document drawn up when we bought the place detailing that the equity was mine. Otherwise I'd have been up the creek and his creditors would have regarded all equity as shared regardless of who paid what.
Even selling wasn't straightforward. Although I'm in Scotland I'm sure she can't even 'buy him out' - even if she were able. In some ways she'd be better off letting the house go and using her share of equity to start again - or renting - she'll not escape him and his debt easily whilst the house is in both names - of that I am certain.