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Marriage changed everything

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Panda007
Panda007 Posts: 4 Newbie
in House buying, renting & selling
Long time reader, first time poster. Been saving for a few years and planning since December 15 to buy a house. I have run in to bit of an issue. As I am no longer a singleton, I am curious how purchasing a house will work after change in circumstances. My wife is non-EU and I am currently in process of sorting her visa out. She is a professional and has commitments so she can't get here till end of December. I want a roof before she gets here.

I am going to discuss this with my adviser in couple of days but wanted as much information beforehand as possible.
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Comments

  • AnnieO1234
    AnnieO1234 Posts: 1,722 Forumite
    Can you be a bit more specific? Do you mean how your house will be affected if you purchase now without her in the country, but still your wife, and whether you can ring fence if your relationship breaks down? Or do you mean in terms of her visa requirements? Or something else entirely?

    xxx
  • Panda007
    Panda007 Posts: 4 Newbie
    Thank you Annie,
    Buying the house itself without her being here.
  • AnnieO1234
    AnnieO1234 Posts: 1,722 Forumite
    When did you get married? Have you previously lived together as a couple? Do you intend to pay the mortgage? Are you wanting to try to ring fence the property from any divorce proceedings? Did the deposit come wholly from you? Has she at any point worked while you have studied or built a business? Were you married in her home country? What is that country? xxx
  • Mojisola
    Mojisola Posts: 35,571 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Panda007 wrote: »
    I have run in to bit of an issue. As I am no longer a singleton, I am curious how purchasing a house will work after change in circumstances.

    I don't understand what the issue is.

    You are a married man and want to buy a house - what's stopping you?

    Are you getting the mortgage in your name and based on your income?
  • Kynthia
    Kynthia Posts: 5,692 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I don't think it makes any difference that you are married, unless your mortgage broker says that you now need to declare your wife as a dependant if she isn't working. It might be different if you want her on the mortgage and deeds aswell.
    Don't listen to me, I'm no expert!
  • Panda007
    Panda007 Posts: 4 Newbie
    edited 5 June 2016 at 9:12PM
    Got married just last month. I intend to pay the mortgage myself and the deposit is coming entirely from my account as well.. I got married in her home country which is Pakistan. She graduated last years and is working on a course which is required for her to practise medicine here.

    I do want her to go on the deed
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Panda007 wrote: »
    Got married just last month. I intend to pay the mortgage myself and the deposit is coming entirely from my account as well.. I got married in her home country which is Pakistan. She graduated last years and is working on a course which is required for her to practise medicine here.

    I do want her to go on the deed

    Then she'll need to go on the mortgage.

    You'll need a broker to sort that one out.

    It can be done remotely.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Panda007 wrote: »
    Got married just last month. I intend to pay the mortgage myself and the deposit is coming entirely from my account as well.. I got married in her home country which is Pakistan. She graduated last years and is working on a course which is required for her to practise medicine here.

    I do want her to go on the deed

    You will also need to get Sharia compliant financing as she's from Pakistan it's highly likely she's Islamic and borrowing money is not permitted.

    You would instead rent the property. After so many rental payments have been made the property transfers into your name.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • Panda007
    Panda007 Posts: 4 Newbie
    Shariah and renting a property???:D

    As long as it can be sorted out remotely, that's great. On the flip side of things, can this be done swiftly if her name doesn't go on deed?
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    Panda007 wrote: »
    Shariah and renting a property???:D

    As long as it can be sorted out remotely, that's great. On the flip side of things, can this be done swiftly if her name doesn't go on deed?

    You can do whatever you like in your own name.

    She won't be on the mortgage or title.

    She can once she's living in the marital home register a notice of home rights with the land registry which will prevent you from selling it without her consent.

    https://www.gov.uk/stay-in-home-during-separation-or-divorce/overview

    https://www.gov.uk/government/publications/notice-of-home-rights-registration-hr1
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
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