Name not on mortgage

JSB1977

Evening!

Can anybody advise regarding my situation. I am married, together for 13 years. Husband owned property one year before we met. We now have a 7 year old dd but he is reluctant to put me on the mortgage/deeds but he will not explain his reluctancy (not a matter for this board I appreciate not does he understand my desire to own a place together so potentially move). My question is where do I stand legally? I haven't approached legal advice/CAB yet. We have a joint account (I work by the way) so bills, mortgage etc come out of this every month from the account our salaries go into. I'm beginning to think I'm being took for a bit of a fool!

bengalknights

The property would be his as acquired prior to marriage. However a judge may look a the contributions you have made during the period to see if you have a right to it.

JSB1977

Mmm.. I was led to believe that as it has been lived in as the marital home since we got married, the property is likely to be considered a marital asset especially as we have a child.

MovingForwards

If you feel uneasy can you open up an account just for yourself and put some money away each payday?

You really need to get to the bottom of why your husband does not want to have your name on the deeds / mortgage, especially as you have a child.

Do you both have wills?

Mojisola

JSB1977 wrote: »

Mmm.. I was led to believe that as it has been lived in as the marital home since we got married, the property is likely to be considered a marital asset especially as we have a child.

If you are in England or Wales, it will be.

You can register your matrimonial interest in the property with the Land Registry.

JSB1977

Thank you. I did this a few years ago and registered a matrimonial home rights notice through the land registry.

We do not have wills despite the fact I have discussed it with him many times. It's all very uneasy in my mind and the fact the husband is not taking it seriously by the fact it concerns me is concerning in itself...at least in my opinion.

Thrugelmir

Legally, as you are married, then you are protected. Even if your name is not on the title deeds of the property.

[Deleted User]

Maybe he just doesn't want 5he hassle when it makes no difference legally if you are named or not.

Just get some life insurance so it's paid off if he dies and move on to more important matters

Socajam

Men are funny creatures.
Not sure how much badgering you are doing, but just maybe he is !!!!ed of at your going on and on about having your name on the mortgage.
If that was me, I would question your motive as well. Give it a rest, and see what happens.
As someone said take out life insurance on him so that if anything happens you and the 7 year old will have that as security.
I shake my head at the number of women on here who do not have a safety net.
Open a bank account and put some away each month for you and your 7 year old.
Someone may see this as being dishonest, but in this day and age, it does not pay to have all your eggs in one basket, love or no love.
Also if you do not already have them, get CC in your name only.

JSB1977

Well not much badgering as I should be doing so it should not really be an issue. Speaking to other female friends there are lots I agree who are not in a secured marriage. My thought is if you're happily married, have children then the least the main breadwinner should be doing as making sure that other more vulnerable person should be made to feel secure and they should be more than happy to do that. Obviously not in this day and age.

I do have a safety net and I do not share credit cards with him (I don't have any anymore). I have no ulterior motive other than I'm annoyed he cannot put himself out to make myself feel more secure and that's what makes me wonder about his motives.

You're right the next step is life insurance....if he agrees to taking out a policy!



Thank you all

AngelOfTheNorthWest

I don't think you need someone's consent to take out a policy payable on their death do you?