Will I lose my home if ex partner made bankrupt?

Worriedmumof2

Hope someone can help - i wasn't sure whether to post in the property forum or this so aplogies if I'm in the wrong place.

Basically my ex ( we split 7 years ago) has been made redundant from a highly paid job - he was on probation so no pay out at all except 2 months of pay. He has debts of credit cards, mortgage and lease car. Not sure how much his credit card debts are but he says it would be easier if he was made bankrupt as he would have no way of paying for everything. He's informed his mortgage provider so that's okay for now.

Big worry for me is that he's named on the deeds and mortgage for my own house ( which I moved into when we split up). It's in joint names, I provided all the equity (from a previous house) and have been paying on my own since. He's only on the mortgage as I couldn't get one in my own name back then due to insufficient wage as I only work part time due to young family.

There is about £100,000 equity; the value of the house is about £180,000. In theory he technically has £50000 worth of asset though he's never put anything into my property at all and I paid the equity. I realise now I've been so stupid and should have had a tenants in common ownership with a deed of trust drawn up as 100:0 % split but my solicitor never told me I could do this at the time. Can I do one now to prepare for a worst case scenario and he is made bankrupt?

Obviously I'm extremely worried that this equity could be seized to pay off his debts. It was never his in the first place.

Please advise, I can't sleep for worrying about this.

tigerfeet2006

Get all the paper work together to show where the deposit came from and where the money to pay the monthly mortgage payments came from. Get all your paperwork together.