We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
Selling house but guarantor stopping me.

CSKR
Posts: 4 Newbie
Hi MSE users, please can someone of knowledge advise me whether I am able to sell my house (just my self on the deeds and mortage agreed under my name only) without the permission of my guarantor (mum).
She and I have fallen out and I have advised I will be selling my home in order to fund my move to Australia hence the falling out.
She is saying she will stop me selling the house even though she is not on the deeds just guarantor.
Is this possible?
She and I have fallen out and I have advised I will be selling my home in order to fund my move to Australia hence the falling out.
She is saying she will stop me selling the house even though she is not on the deeds just guarantor.
Is this possible?
Am I the only one able to make decision to sell or can the guarantor stop me 11 votes
Yes
36%
4 votes
No
63%
7 votes
0
Comments
-
No.
Her only role is to pick up the costs if you default on your mortgage payments.
If you sell, you'll have to pay off the mortgage, and she will no longer have any role to play.0 -
Hi MSE users, please can someone of knowledge advise me whether I am able to sell my house (just my self on the deeds and mortage agreed under my name only) without the permission of my guarantor (mum).
She and I have fallen out and I have advised I will be selling my home in order to fund my move to Australia hence the falling out.
She is saying she will stop me selling the house even though she is not on the deeds just guarantor.
Is this possible?
But why do you want to go to Australia?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
Poll, a little ambiguous
Am I the only one able to make decision to sell = Answer Yes
can the guarantor stop me = Answer no
Again correctly ansered by GM0 -
I really didn't understand the poll side of things, still getting the grips with MSE, however thank you for the message. And advice0
-
I really didn't understand the poll side of things, still getting the grips with MSE, however thank you for the message. And advice
Can't you make it up with ur mum before you leave for Australia? Be aweful sad if you leave on bad terms.Don't trust a forum for advice. Get proper paid advice. Any advice given should always be checked0 -
A better question would be who wouldn't want to go to Australia ?
ANS :- Because this country is full of foreigners.
Anyone moving from the UK to Australia "because this country is full of foreigners" is going to be sorely dissapointed - roughly 90% of the UK population are British, compared to only 5% of the Australian population...0 -
-
If the house is in negative equity, would your mum be liable for the shortfall under the guarantee. If so she might possibly have some say in whether you sell or not. Although this is unlikely, you need to read ALL the terms in the guarantee.
Going to Australia is a big move, get plenty of advice off the British Expats forum ( make sure your anti virus software is up to date as I get dodgy pop-ups with this site).
Getting a visa is quite a challenge, again do your research on the Australian government website.
Try to make it up with your mum before you go or at least ascertain the reasons why the two of you have fallen out.0 -
If the house is in negative equity, would your mum be liable for the shortfall under the guarantee. If so she might possibly have some say in whether you sell or not. Although this is unlikely, you need to read ALL the terms in the guarantee.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
-
DVardysShadow wrote: »Good point. Although in this situation, without a guarantor, the lender would put a stop to it - so mother's intervention as guarantor would not actually stop anything which could otherwise happen.
From the lenders point of view, a house in negative equity but with a guarantor does not give rise to a bad debt on sale ( assuming the guarantor is good for the funds). Hence the lender will not block the sale.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.2K Banking & Borrowing
- 252.8K Reduce Debt & Boost Income
- 453.2K Spending & Discounts
- 243.2K Work, Benefits & Business
- 597.6K Mortgages, Homes & Bills
- 176.5K Life & Family
- 256.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards