Second charge

I put £200,000 into a house but was £70,000 short , my ex best friend got the £70,000 mortgage with NatWest and I put in the £200,000 in as deposit ! His mortgage is with NatWest.his solicitor told me I had to do it as a gifted deposit but under the proviso that a deed of trust would be put in place .. it wasn’t as NatWest font allow it . I was kept in the dark with regards to it and now my house is now in his name and he’s refusing to do anything with regards to protecting my money . I’m stuck but have been advised about becoming a second charge on it but have no idea how to go about it or even if I can ?! I’ve already spent nearly £5,000 on a useless solicitor who’s achieved nothing . I’m going out of my mind and need some kind of guidance as what my next step should be ?! 


  • I think you want to move this to the House buying & selling board - some people there may be better placed to help you than those of us in the Mortgage-free wannabe board
    May 2020 opening: £181,500, 21 year term. £14k additional borrowing December 2021
    Current balance: £153,493 (inc. offset in savings)
    MFW #37. Aiming to pay off by December 2033
    2023 OPs: £2,049.05
  • Thanx .. I’m new to all this I’ll try and see how to do that haha
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