Husband wants a document saying I’ll repay loan.

Savvy_Sue

I can't help feeling that any good solicitor would advise that such a document should not be signed unless YOU have taken independent legal advice on the implications.

That's what I'd recommend. Let your husband instruct his solicitor, but don't sign anything until you've had proper legal advice on the implications.

And couples counselling also a good plan.

Mojisola

Savvy_Sue said:

I can't help feeling that any good solicitor would advise that such a document should not be signed unless YOU have taken independent legal advice on the implications.

Jojo - If you do go for legal advice, make a list beforehand of all the major expenditure so the solicitor can see how much was spent on the home and anything else that your OH benefited from.

Archergirl

Did he not notice the home improvements and wonder who was paying for them? Do not sign anything, home improvements are just that so he needs to be paying half.

kimwp

If he agreed to the house improvements, then the only additional liability you have is for the interest and that's only IF you misled him into thinking they would be paid for from savings. 

MobileSaver

kimwp said:

If he agreed to the house improvements,

I think this is the key point. It's not clear from the OP's post whether she alone took the decision to get into debt or whether they both agreed to borrow to fund "home improvements".

Another point though is that if the original bathroom and kitchen were perfectly functional but dated then any improvements may not have added a single penny to the value of the property so talk of increased equity may be premature.

kimwp

MobileSaver said:

kimwp said:

If he agreed to the house improvements,

I think this is the key point. It's not clear from the OP's post whether she alone took the decision to get into debt or whether they both agreed to borrow to fund "home improvements".

Another point though is that if the original bathroom and kitchen were perfectly functional but dated then any improvements may not have added a single penny to the value of the property so talk of increased equity may be premature.

My point was more about whether he agreed to taking on the interest by funding the improvements through debt.
He lives in the house, the improvements could hardly have happened without his knowledge. Unless the OP is coercive instead of the people-pleaser she represents herself as, it's reasonable to assume consent for the improvements given knowledge of them.
If he has consented, then the lump sum loan taken out is the same as the reduction in savings would have been to pay for the work - the only difference is the interest on the loan.
Therefore the OP should only be additionally liable for the interest if anything at all. 

[Deleted User]

Talk about your husband looking after number one. He wants to enjoy the house you have improved but wants you to pay for the privilege. 

Borders2017

sounds like hes gearing up to divorce you ......