will this change things?

dk5294

As per my previous thread my husband and I are separating and he is buying a home, so he can move out of my house. The breakdown of our marriage isn't bitter or nasty and I am basically helping him buy this house (sorting paperwork etc). We just can't live together. Every other aspect of our marriage is great, but living in the same house is something we have struggled to do and we have tried and tried, but it started affecting my daughter and that was it.

He will find out tomorrow if he has secured the property (it went to closing date) and submitting his full app to LBS (it arrived in the mail today), but he has asked me if I will be willing to try and work at our marriage and live alone, spending a few nights together here and there.

I don't claim any benefits, I earn my own wage and pay my own bills and I don't want to say no, because I can genuinely say I don't want my marriage to just end. The thing is, I don't want to mislead anyone and I worry that if we do decide to give our marriage a go in the future he'll be in hot water. We will not be together or living together at time of completion and we've been advised to hush, but I worry about EVERYTHING and I don't want to end up in court being accused of mortgage fraud!

xyz123

You need d to share some numbers for advice on mortgage front. Both of you earn enough to be independent (I am not questioning what you say but mortgage companies look for evidence of secure income).

On the personal side, I couldn't work out if you wsnyed any thoughts on ur situation. I am not going to offer any unwanted advice but if you want some, post something on the marriage, relationship forum board and u may get some thoughts there...

AnotherJoe

Yes, you do worry FAR too much. Why on earth would he be in "hot water" if he lives in his own house and occasionally stays at yours? Having a mortage doesn't mean you can't stay in other places !

If at some time in the future he decided to move in with you and let his place out he'd have to get permission from his lender and if they wouldn't give it he'd have to get a new BTL mortage. And that's it and that's potentially years away.

Currently he's buying a house and will move into it and he's free to stay elsewhere at any time after he's bought it. You'll have signed a statement saying you won't be living there but that doesn't mean you can't have the occasional stay, it's more about you not claiming rights over the new place.

So just get on with it as per advice from previous thread and stop overthinking it, there are plenty of things in life to worry about without inventing non existent issues.