Removing Ex from mortgage

ScorpiondeRooftrouser

Mancgirl wrote: »

That's very rude. There is no need for that!

Yes there is need for it. You're awful and you need to be told so.

Marvel1

Anon2017 wrote: »

Not sure why people are bashing the original poster. Doesn't sound like she held a gun to her ex's head. If he didn't insist he was taken off the mortgage, that's his problem. The guy is clearly stupid and its come back to bite him.
Unfortunately the moral thing to do would be to sell the house if you can't afford the mortgage on your own as its unfair to leave him on it.

And the OP is not?!

ScorpiondeRooftrouser

Anon2017 wrote: »

Not sure why people are bashing the original poster. Doesn't sound like she held a gun to her ex's head. If he didn't insist he was taken off the mortgage, that's his problem. The guy is clearly stupid and its come back to bite him.
Unfortunately the moral thing to do would be to sell the house if you can't afford the mortgage on your own as its unfair to leave him on it.

It would be because she's not acknowledging that he has done everything to suit her and is whining now he wants to get everything tidied up and move on. If he's stupid then she has taken advantage of that and wants to carry on doing so. You presumably think it's fine to take advantage of stupid people, and it's their own fault for being stupid. Here's news for you; it isn't.

warby68

Things change

What was fair when you split is not fair now

You have both moved on. You have a new partner. It is totally unfair to expect your ex to support your new partner to live in a style he can't afford for himself.

Don't you see that OP especially now you know this mortgage seriously affects his ability to raise his own regardless of you meeting the monthly payments? Your early posts suggest you didn't realise that.

How big is this mortgage if its from years ago and , even if you can't remortgage,can you and partner not throw some extra at it and at least start reducing the poor man's liability.

Have you made any effort to free him or are you actually wanting to sit tight like this forever? Is your partner happy sponging off another man or does he not know?

Make a plan OP and play fair. This is what should happen without either of you going the legal (usually costly) route.

G_M

warby68 wrote: »

....

Have you made any effort to free him or are you actually wanting to sit tight like this forever? Is your partner happy sponging off another man or does he not know?

I suspect the OP and partner don't consider this 'sponging' as the ex is not actually contributing financially to the mortgage. They (OP and partner) are paying it so "We're not sponging."

But whilst they are living in a house they own (or at least OP does), with a mortgage they admit they would not be eligible for on ther own, the ex cannot live in a home of his own despite being eligible for a mortgage were it not for that fact that he is supporting the OP in maintaining their mortgage.

That IS a form or sponging even if money is not involved.

FBaby

If he didn't insist he was taken off the mortgage, that's his problem. The guy is clearly stupid and its come back to bite him.

I expect it came as a result of OP's promises that it would only be for a few months, until she could up her hours or get a new job, pressured that otherwise she would lose the house etc...

Then comes the new boyfriend and it turns into 'well tough, nothing you can do about it'.

jessex1990

aneary wrote: »

You are delightful, I wonder why he left.....

Whilst he is on your mortgage he will probably be unable to get another one of any value.

Take him off the mortgage if the mortgage company won't let you sell the house pay off the mortgage.

As she and her current partner are unable to get one of their own - she is on his mortgage. He wants to be able to buy his own and can't by sounds of things because this mortgage is showing on his credit file.

It will be easier to

A) sell up and move somewhere where she and her new partner can afford.
remortgage it in your own name as you have demonstrated you have been making the payments,
C) speak to the bank about removing him from the mortgage as you are making the payments on it. He may well have spoken to them but you speaking to the bank as well will mean you are much more likely to both get what you want.

G_M

jessex1990 wrote: »

A) sell up and move somewhere where she and her new partner can afford.
remortgage it in your own name as you have demonstrated you have been making the payments,
C) speak to the bank about removing him from the mortgage as you are making the payments on it. He may well have spoken to them but you speaking to the bank as well will mean you are much more likely to both get what you want.

D) find a 'Guarantor' (family?) either to faciltate removing ex from the current mortgage, or for a replacement mortgage (on this or another properry).
E) move to rented
F) Replace ex on both Title and mortgage with someone else (again family is the obvious)
G) clean up both your credit files by clearing all debts asap, checking for eroneous listings and removing them, getting a basic credit card and using it responsibly (this improves credit rating) etc
H) get better paid (or 2nd) jobs to improve income
G) agree with ex a time-frame after whch you will do one or more of the above, so at least he can see a future

There are many options to consider. Some may be impractical, but you need to make the effort, explore them all, and talk to your ex constructively about the situatio, not claim "I'm all right Jack" and bury your head in the sand.

Guest101

Mancgirl wrote: »

I didn't do stuff TO him. It was mutually agreed that that was the best situation. I needed to stay in the house as I had nowhere else to go and he decided to leave and he did have somewhere else to go. Now years have passed and he wants out but it isn't that easy unfortunately.

He did you a favour, sort your own life out and stop relying on your ex to support your lifestyle