Could I go homeless whilst still have name on mortgage?

mumasks

Hi all,
If I have a mortgage with my husband, would I be able to get a council house?
I want to move out with my children, (1 boy 2 girls, age 16, 17 and 20).
I am also not working at the moment.

2 of my children are studying full-time, and another part-time.

If anyone could help I am very grateful
Thanks

theartfullodger

Presumably your name is on the deeds as joint owner. Look at YOUR local council "housing allocation policy" (or similar name..) e.g.
http://www.wokingham.gov.uk/housing-and-tenants/housing-needs/register-for-housing/

Different councils have different rules, you need to read YOUR ONE's..

However, assuming your name is on the deeds then you have a right to live there, a viable home, so you will likely be turned down as already having somewhere to live. If, however, you feel fearful of living there, that's another matter.

STRONGLY suggest you visit local CaB
https://www.citizensadvice.org.uk/about-us/how-we-provide-advice/advice/search-for-your-local-citizens-advice/
and discuss your options: You probably need a good "family law" solicitor also.

Be aware, just because you move out, you still remain liable for mortgage payments etc etc ..

Hope things get better & your next partner works out more successful!

Best wishes to you at the kids...

silvercar

Surely if you have the children living with you then you should remain in the marital home?

Cakeguts

Not sure that the council would have a duty to house the 20 year old.

mumasks

Thank you for your reply,
I will definitely look into this.

G_M

Councils tend to house the homeless. Your children (even puting aside their ages) are not homeless. The is a house there, with a parent, where they can live......

Not sure why I should pay for their housing in that case.

horseymchorseface

not working is a choice as well

theartfullodger

Come on guys, we don't know what this lady is going through...

mumasks

who drinks, that person will know if the drink is hot or cold

Cheeky_Monkey

mumasks wrote: »

who drinks, that person will know if the drink is hot or cold

Is that supposed to mean something to anyone other than yourself?

leslieknope

the council will not view the 20 year old as a priority to house, especially if they have a parent they can live with. they will not factor into your housing need at all.

if you leave your husband and the marital home because of extreme circumstances (such as domestic abuse) they could potentially support you but this is likely to be either emergency housing/a hostel, or giving you funds towards the deposit for a privately rented accommodation.

you are very, very, very unlikely to get a council house. they don't have enough houses, your children are grown/almost grown, and you have a home. if you're not a victim of an extreme circumstance as i said above, it is unlikely they will do anything for you, because on the dissolution of your marriage you will have assets from your home to support yourself. and honestly if you're just getting divorced because the marriage has come to an end and you have equity in your home, you shouldn't be getting a council house. they are for people that need them.