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Rights to a house when you’re not on the mortgage

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Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
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  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • canaldumidi
    canaldumidi Posts: 3,511 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 30 January 2022 at 9:40PM
    The mortgage is not really relevant, but I assume you are also not a registered owner on the propeerty title?
    "I have contributed to household bills/renovations."
    household bills are also not likely to be relevant - they apply wherever you live eg in rented.
    But if you've contributed to capital expenditure eg renovations, extensions, improvements that may well give you rights.
    You also need to look into what rights might arise from this being a family unit. As a property forum this does not really fall into the normal category of issues we are familiar with.
    I suggest an initial free half hour with a specialist family solicitor, and /or CAB or Shelter.

  • Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    What does the deed of consent say? 
  • user1977
    user1977 Posts: 17,772 Forumite
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    Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    What does the deed of consent say? 
    I presume it just says the OP acknowledges the lender has the right to repossess - it's not relevant to any rights between the OP and their partner.
  • user1977 said:
    Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    What does the deed of consent say? 
    I presume it just says the OP acknowledges the lender has the right to repossess - it's not relevant to any rights between the OP and their partner.
    How can you state that it’s not relevant without having the OP tell us what it says? Stating facts based on your presumption isn’t really helpful.
  • user1977
    user1977 Posts: 17,772 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    user1977 said:
    Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    What does the deed of consent say? 
    I presume it just says the OP acknowledges the lender has the right to repossess - it's not relevant to any rights between the OP and their partner.
    How can you state that it’s not relevant without having the OP tell us what it says? Stating facts based on your presumption isn’t really helpful.
    Because I'm reasonably familiar with what such consents say given I work in the profession. It would be quite bizarre for it to say anything else.
  • user1977 said:
    user1977 said:
    Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    What does the deed of consent say? 
    I presume it just says the OP acknowledges the lender has the right to repossess - it's not relevant to any rights between the OP and their partner.
    How can you state that it’s not relevant without having the OP tell us what it says? Stating facts based on your presumption isn’t really helpful.
    Because I'm reasonably familiar with what such consents say given I work in the profession. It would be quite bizarre for it to say anything else.
    It would be unusual, but it makes sense to see what the OP says before you give a firm statement based on your limited experience.

    I work in the profession too, and have for twenty- five years…
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Elousarah said:
     I had to sign a deed of consent so that he could get the mortgage.
    If you didn't wish to be party to the mortgage and the lender wasn't aware of the dependent children. A way of circumnavigatating the rules and obtaining the mortgage. Then you waived your rights to having a financial interest in the property. 

    Sit tight and negotiate. 
  • Gavin83
    Gavin83 Posts: 8,757 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Elousarah said:
    Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign a deed of consent so that he could get the mortgage. I have contributed to household bills/renovations. I have 2 children who are 13 and 17 and we have lived as a family. I also have a workshop in the garden that I run my self employed business from which he supported me with and I will no longer be able to do that.  I am so worried, can he make me and my children homeless? 
    Can you be a little more specific as to what you actually contributed towards the house? How much did you spend on renovations? Did you contribute towards the original deposit? Did you pay any of the mortgage?
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