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What to do about house ex won't remorage to take name off
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Wheredoistart?
Posts: 5 Forumite
I moved in with my ex and after 2 years we decided for me to go on the morgage with him his work wasn't looking good I'd spend £1000's doing up the house we thought it was only right plus he said if anything happened to him he wanted to no i would have somewhere to live still. So one year after being in the morgage he decides he doesn't live me and does not want to be with me! Yes thanks !!! I in the end moved out with my son as he and his grown adult son where making my life a miserary. The same day he dropped this bomb shell he was made redundant!! So when I left I said to get a job and get me off the morgage. This was now 8 months ago. He did get a job at one stage but gave it up as he didn't like it!! Now he is apprently working for himself! Which is more like cash in hand jobs. I have asked him about getting me off the morgage but messing me around still. I have advised him if he doesn't get a job and the morgage sorted asap I will have to take him to court to put the house up for sale!! As this is the only way to get off. With myself on this morgage I can not move on with my life. I also had a solicitors letter from him to sign the deeds over for the house over to him! But I'd still be on the morgage.? !! Where do I start??
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Just to point out we where not married and have no children together.0
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He can't just take your name of the mortgage, that's not how mortgages work. Your ex would need to apply for a mortgage in his own name or with A N Other to essentially buy you out. Now how do you expect him to be able to get a mortgage if he doesn't have a job? He can't.
The mortgage lender would have to agree to you coming off the deeds not that I think you should come off the deeds whilst still named on the mortgage. Do you know if the mortgage payments are up to date since you are equally responsible for making the payments?
Get your own legal advice and force the sale if necessary.0 -
There are mortgages available for self employed people with one year of accounts but I doubt your ex will be filing accounts, or at least accounts showing his complete earnings, if he's working cash in hand.0
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This is my point I'm trying to make to him. He has to have a job and then apply for a morgage as I can't just come off the morgage. But it's almost like if he doesn't deal with it he thinks I'll just forget about it. The morgage payments are up to date as far as I no I have contacted the morgage company to explain the situation and they will write to me at my current address if payments aren't met.0
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That's why I can't even private rent incase he doesn't pay the morgage and I will have to pay that Aswell as rent I just want to move on with my life.0
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Forcing your sale is going to be your only option then if he is unlikely to be able to get a mortgage any time soon.
It's your house too so you could move back in. That might help convince him to sell or sort his act so he can get a mortgage.0 -
MorTgage...0
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If his adult son wasn't living there I wouldn't of stayed until the situation was sorted. Looks like a force of sale it is thought so.0
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Is the son working? It might be possible for them to apply for a joint mortgage in order to release you.
However, I'd suggest that you speak to a solicitor - it may be that getting a formal letter rather than simply having you speak to him will focus his mind.
You could also (depending on the value of the house, and the amount of equity) offer to sweeten the deal - e.g. offer to transfer the property to him for less than your share of the equity provided that the transfer is completed within a set timescale and at the same time make clear that if he doesn't cooperate you will be looking for more.All posts are my personal opinion, not formal advice Always get proper, professional advice (particularly about anything legal!)0 -
The longer I spend on this forum the more convinced I become that it is totally mad for unmarried couples to jointly buy property.
No moral reasoning - simply that the divorce process forces and facilitates the division of assets (including the property).
Whereas 'separation' leads to, well, issues like this.0
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