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Rights to a house when you’re not on the mortgage
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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. - what exactly did the deed of consent say? eg that the lender could repossess? that you had no claim on the property? that you contributed money as a gift? something else..?
I have contributed to household bills/renovations. - please detail rough amounts and purposes; if its utility bills / council tax / food, that's just part of living. If its mortgage, the capital repayment portion might be considered capital (but equiv might also just be considered similar to rent). If the renovations are just maintenance / decorating, then again part of living. If its major capital expenditure that actually adds value, then might also build equity..
I have 2 children who are 13 and 17 and we have lived as a family. - not his children? Then he likely has no duty to support or house them.
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. - supported how - eg financially or in day to day operations? In an eviction, you might be able to ask for reasonable time to relocate your business (but would still need to move quickly)
I am so worried, can he make me and my children homeless?1
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