Removing Ex-Wife from house deeds

Good Morning All!!

Bit of advice please. I need to remove my ex-wife from the deeds to my house. We purchased the house in September 2007. We separated shortly after in December 2007. I have had no contact with her since. We are divorced.
I have tried to contact her via solicitors but had no response and it has cost £1000's so far. I am aware of her possible last known address - she has moved over 6 times since 2008 as she keeps getting evicted due to non payment of rent. I have kept a record of all known address.
She has not made any claim for the house since we separated in 2007 and has not contributed towards the house or mortgage since.
The mortgage is solely in my name alone and has been since the start of the mortgage. Mortgage is fully up to date. I have an interest only mortgage.
My question is - how can i remove her from the deeds without getting solicitors involved? It has cost me a lot of money with solicitors and i really do not want any more large bills!
Is this something i can do on my own??
«1

Comments

  • Caz3121
    Caz3121 Posts: 15,810 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    were the finances agreed at time of divorce through consent order?
    what did this say about the house?
  • You have to have a financial settlement order, you cant just remove her from the deeds even if she hasn't contributed. This is usually sorted out as part of the divorce? If you have an order for this and she simply hasn't done the paperwork then you can apply to court and a judge can sign the TR1 on her behalf.
    Also, is she still named on the mortgage as you will need their permission to change this - either by remortgaging or by her remaining on the mortgage but being removed from the deeds so that she has no interest in the property. My ex had to remain on our mortgage for 5 years until I built up sufficient equity to sell and buy somewhere else.
  • Financial matters were never addressed as she did not reply to any correspondence
  • she is not named on the mortgage
  • I would get some legal advice on how to separate your finances. I appreciate it means more money, but better that now than her coming back later and making some kind of claim, as it doesn't just relate to your house, it covers pensions, income and all manner of things.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    she is not named on the mortgage

    So why and how did she become named on the deeds.
  • She could not be on the mortgage as she was linked to a mortgage from her previous marriage so i took out the mortgage on my own - both of our names were added to the deeds
  • you get a black marker pen and cross the name off. Job done
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    She could not be on the mortgage as she was linked to a mortgage from her previous marriage so i took out the mortgage on my own - both of our names were added to the deeds

    Surprised the lender allowed this. As puts them in an arkward spot.
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Thrugelmir wrote: »
    Surprised the lender allowed this. As puts them in an arkward spot.

    I'm surprised as well. She would own half the house and the mortgage company only has claim to the other half. Very awkward spot.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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
  • 256.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.