Ex won't compromise on property

Kayalana99

The only option is to talk to your ex about selling the house, end day you can't keep living off other people.

Start paying her child maintenance but make it clear you will no longer be contributing to the mortgage and you are happy to get the ball rolling to sell when she is ready as if she can't afford it it will be taken from both of you in long run.

It's worth pointing out to her that she will get housing benefits renting(assuming she would be entitled) and that she would have more money spare in long run.

Now you said you could afford to rent a place without paying the mortgage, go and get yourself a rented house and set yourself up.

Why do you want to move back in? Fair enough you would like to live their by yourself but she obviously doesn't want you living their so why would you want to live in that hostile environment when you can live elsewhere?

TBagpuss

FBaby wrote: »

If she is not working or on a low income, considering the age of your child, it is highly likely that a judge would refuse the sale of the house, so that leaves the above situation, that is if she can still afford to pay for the difference as due to the remortgage, what she will get in benefits towards the mortgage will not pay it in full, even interest-only.

It sounds to me like you need to do a lot of reading about what she can get in benefits and how courts operate in these matters.

per bolded: this is not the case, as OP is not married, the issue of the child's welfare and housing needs are not taken into account as would be the case in a divorce. In any event, a Judge would normally only make an order allowing a parent to remain to provide a home for a child where the parent was able to service the mortgage

BigAunty

The Shelter website has information to help home owners who can't afford their mortgage, how to deal with arrears, how a lender may treat someone in arrears, the repossession process, etc.

It also outlines the extra expenses that can come from repossession in some circumstances (legal fees, mortgage arrears, auction fees, negative equity because the property can be sold off cheaply via auction and leaves the mortgage holder in significant debt, etc).

You may also get an idea on the debt free wanabee forum about a scenario where it's repossessed, an idea of your potential options in terms of getting any of the debts written off or a debt repayment strategy, for example.

FBaby

TBagpuss wrote: »

per bolded: this is not the case, as OP is not married, the issue of the child's welfare and housing needs are not taken into account as would be the case in a divorce. In any event, a Judge would normally only make an order allowing a parent to remain to provide a home for a child where the parent was able to service the mortgage

I don't think being married or not makes any differences, that's from personal experience and that of friends. A judge will always look at the welfare of the children before the interest of their parents.

DUTR

FBaby wrote: »

I don't think being married or not makes any differences, that's from personal experience and that of friends. A judge will always look at the welfare of the children before the interest of their parents.

I agree being married or not makes little difference.
My brother when getting divorced the house was sold and the SIL and dependant children had 60% of the equity, with my mate he stopped paying the mortgage and just paid the CSA and once again the lenders were one stage from forcing a sale as the mortgage was not being paid.