Recently divorced and still paying the mortgage

chrissy78zodiak

Hi all,
Hope Someone can give me a bit of advice on what to do.
I separated with my wife recently, I left after years of being unhappy. I felt and still feel bad, but happy to see that she has moved on. I'm currently living at friends houses, my dads spare room and basically wherever there is a spare bed going. I'm unable to rent anywhere as I am still paying the mortgage. We split up 9 months ago now, and are not 'officially' divorced as yet, however this is going to start soon.

My question is since leaving the house that we bought together, I am still paying my half of the mortgage, although I no longer live there. She has spoken about wanting to buy me out, but everytime i try and set up a meeting she says that she is busy. Further to this, I have just been made redundant but have got another part time job, meaning my earnings are now much smaller. Should I still be paying the mortgage if I do not live there? Yes it is a joint mortgage, I want to sell she wants to keep it. I wont be able to afford the mortgage payments soon, and also need to think about finding somewhere to live myself. Any advice on what I should/can do would be very much appreciated.

thanks
Chrissy

Orlando_Virgin

chrissy78zodiak wrote: »

Hi all,
Hope Someone can give me a bit of advice on what to do.
I separated with my wife recently, I left after years of being unhappy. I felt and still feel bad, but happy to see that she has moved on. I'm currently living at friends houses, my dads spare room and basically wherever there is a spare bed going. I'm unable to rent anywhere as I am still paying the mortgage. We split up 9 months ago now, and are not 'officially' divorced as yet, however this is going to start soon.

My question is since leaving the house that we bought together, I am still paying my half of the mortgage, although I no longer live there. She has spoken about wanting to buy me out, but everytime i try and set up a meeting she says that she is busy. Further to this, I have just been made redundant but have got another part time job, meaning my earnings are now much smaller. Should I still be paying the mortgage if I do not live there? Yes it is a joint mortgage, I want to sell she wants to keep it. I wont be able to afford the mortgage payments soon, and also need to think about finding somewhere to live myself. Any advice on what I should/can do would be very much appreciated.

thanks
Chrissy

This is only my advice so take it for what it's worth. GET IT ON THE MARKET IMMEDIATELY. Tell her that either she contacts you to meet up and buy you out of the house, or you will seek legal advice to force the sale of the property. If you leave it to linger, it will just get more and more messy and longer before you can move on.

Living with your friends and in your Dad's spare room is not living.

terryw

Are there any children at the house?

pinkshoes

Can't you move back in?? It's just as much YOUR house as it is hers.

I split with my ex and we owned a flat, so we agreed that we still paid 50/50 on the mortgage, but he'd "rent" the flat from "us" for below market value, then I get half the "rent" to put towards my half of the mortgage.

You need to sell the property, as it's clearly not feasible to go on like this.

Or ask her to pay some sort of rent.

Or she moves out and you rent it out.

zzzLazyDaisy

terryw wrote: »

Are there any children at the house?

This ^^^^^

Children, and the question of where they are going to live, can (and usually does) affect the outcome of the financial settlement on divorce.

If there are no children it normally becomes much more clear cut. See a divorce lawyer and get some proper legal advice.

princeofpounds

All this talk about trying to force a sale etc. is worthless until you are divorcing and negotiating/contesting a financial settlement.

A court is unlikely to give you an order for sale I would think if a divorce is pending. Similarly she may not have to buy you out to get an occupation order for her and the children, if they exist. Or you might be told to give her the house but keep a bigger share of other assets.

Deal with all this as a part of your divorce.