What's best route for me please?

Tjinks

,? 2 Hours, 13 Minutes ago So my scenario is my husband and I are separating. Mortgage owed..£84k. My inheritance..(not in my account)£60k. I want to keep my home with my daughter (10) for now. Income... early retirement from ill health and child benefit £660 monthly. My husband wants to get his own place . I rang my mortgage company and they said no to me having the mortgage alone. Their only idea was to have a guarantor (joint borrower sole proprietor) I don't know anyone. If I asked my husband that'd hinder him getting his own mortgage, he earns 35k. Reading up I came across offset mortgage. I was going to give my husband part of the equity now so he can set himself up. Then owe him the remainder on completion of sale, whenever that may be. Someone else mentioned I should maybe have a loan instead? Thoughts pleeeeasse

Thrugelmir

Have you taken legal advice?  In essence the starting point is the welfare of your daughter. The court automatically takes guardianship of her and will act in her interests. Putting both the parents second. There's no reason why you and your daughter shouldn't remain in the property until she has left full time education. At which point the house would be sold (if you are unable to buy your ex husband out) and the equity divided in the percentages agreed in the financial consent order. 

Your inheritance forms part of the divorce settlement calculations. 

Tjinks

Hi. Not yet taken advice but I will. My inheritance isn't in my account. 

[Deleted User]

Where you've stashed the inheritance is irrelevant. If the money is yours it should be put in the post as a marital asset just the same as the house, pensions and any other savings the pair of you have.