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My ex wants his name removed from the mortgage

LouiseRi
LouiseRi Posts: 7 Forumite
in Mortgages & endowments
Hello

Here's hoping for some help.

My ex wants his name removed from the mortgage as he has another mortgage and says that having two is affecting his ability to get loans. We have a child who lives with me.

My questions are:-

There is no way I could get a mortgage for the amount outstanding on my own. Is there any other way he can be removed?

Can he insist his name is removed?

Any advice would be very welcome as this is making me very anxious.

Comments

  • antrobus
    antrobus Posts: 17,386 Forumite
    LouiseRi wrote: »
    Hello

    Here's hoping for some help.

    My ex wants his name removed from the mortgage as he has another mortgage and says that having two is affecting his ability to get loans. We have a child who lives with me.

    My questions are:-

    There is no way I could get a mortgage for the amount outstanding on my own. Is there any other way he can be removed?

    Can he insist his name is removed?

    Any advice would be very welcome as this is making me very anxious.

    Ex-what? It can make a difference whether or not you were married.
  • LouiseRi
    LouiseRi Posts: 7 Forumite
    Ex partner. Weren't married but had children together.
  • betmunch
    betmunch Posts: 3,126 Forumite
    If you can't take over the mortgage he can't be released.

    He can insist all he wants.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    betmunch wrote: »
    If you can't take over the mortgage he can't be released.

    He can insist all he wants.



    He could force a sale ??
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • betmunch
    betmunch Posts: 3,126 Forumite
    csgohan4 wrote: »
    He could force a sale ??

    I got the impression it needed to be done quickly.

    He could force the sale once the kid is grown up, true
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • LouiseRi
    LouiseRi Posts: 7 Forumite
    At what age of the child can he force a sale?
  • Tigsteroonie
    Tigsteroonie Posts: 24,954 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    From what I've seen on other threads, he could force a sale but that would mean going through court (could be expensive) plus you'd have the opportunity to explain why you don't have the affordability to take on the full mortgage.

    Whilst this may be your home and a wonderful house, would you consider moving out and renting? You can understand his predicament, I'm sure.
    :heartpuls Mrs Marleyboy :heartpuls

    MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remote

    :) Proud Parents to an Aut-some son :)
  • LouiseRi
    LouiseRi Posts: 7 Forumite
    Alas it would cost me much more to rent than I am paying for the mortgage so that isn't an option.
  • dimbo61
    dimbo61 Posts: 13,727 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Right the child you and your EX partner created has the right to a roof over his/her head so him going to court to force you to sell would fail.
    Unless you live in a big expensive home with lots of equity in it ?
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