Buying out an ex? Or other options?

SecondStar

MFWannabe said:

SecondStar said:

MFWannabe said:

Are you amicable? You say in case you split up? So have you split or thinking of it? 

Is it an option to still both live in the house until fixed rate is up? Would be easier to sort then as no ERC and you could continue to save? Is it an option to get second job to help you save more between now and then? 

Would he be willing to move to move back to parents and wait for his money? 

When the fixed rate is up you should be able to remortgage in your name and buy him out? 

Without going into too much detail, his recent behaviour towards me is making me doubt whether I want to be in a relationship with him anymore. 

I don’t think I could live with him as a housemate, or at least not for a year.

I don’t believe he would move back to his parents, unless I was buying him out. I don’t know whether he would rather live as housemates, or live with his parents.

I could look for a Saturday job alongside my current job.

Oh bless you 
May be worth getting a valuation then and checking how much your ERC is? 

Sell up and have a clean  break x 

Even that bit of kindness brought tears to my eye, thank you.

A clean break would be blissful, if I’m honest. It’s all I think I really want.

It’s just trying to find the best way to do it, that doesn’t leave me both penniless and homeless, or stuck under the same roof as him for too long.

Will dig out the mortgage docs to check the ERC, and see about speaking to an estate agent, solicitor, and maybe a mortgage advisor, on the down-low as well.

MFWannabe

SecondStar said:

MFWannabe said:

SecondStar said:

MFWannabe said:

Are you amicable? You say in case you split up? So have you split or thinking of it? 

Is it an option to still both live in the house until fixed rate is up? Would be easier to sort then as no ERC and you could continue to save? Is it an option to get second job to help you save more between now and then? 

Would he be willing to move to move back to parents and wait for his money? 

When the fixed rate is up you should be able to remortgage in your name and buy him out? 

Without going into too much detail, his recent behaviour towards me is making me doubt whether I want to be in a relationship with him anymore. 

I don’t think I could live with him as a housemate, or at least not for a year.

I don’t believe he would move back to his parents, unless I was buying him out. I don’t know whether he would rather live as housemates, or live with his parents.

I could look for a Saturday job alongside my current job.

Oh bless you 
May be worth getting a valuation then and checking how much your ERC is? 

Sell up and have a clean  break x 

Even that bit of kindness brought tears to my eye, thank you.

A clean break would be blissful, if I’m honest. It’s all I think I really want.

It’s just trying to find the best way to do it, that doesn’t leave me both penniless and homeless, or stuck under the same roof as him for too long.

Will dig out the mortgage docs to check the ERC, and see about speaking to an estate agent, solicitor, and maybe a mortgage advisor, on the down-low as well.

SecondStar said:

MFWannabe said:

SecondStar said:

MFWannabe said:

Are you amicable? You say in case you split up? So have you split or thinking of it? 

Is it an option to still both live in the house until fixed rate is up? Would be easier to sort then as no ERC and you could continue to save? Is it an option to get second job to help you save more between now and then? 

Would he be willing to move to move back to parents and wait for his money? 

When the fixed rate is up you should be able to remortgage in your name and buy him out? 

Without going into too much detail, his recent behaviour towards me is making me doubt whether I want to be in a relationship with him anymore. 

I don’t think I could live with him as a housemate, or at least not for a year.

I don’t believe he would move back to his parents, unless I was buying him out. I don’t know whether he would rather live as housemates, or live with his parents.

I could look for a Saturday job alongside my current job.

Oh bless you 
May be worth getting a valuation then and checking how much your ERC is? 

Sell up and have a clean  break x 

Even that bit of kindness brought tears to my eye, thank you.

A clean break would be blissful, if I’m honest. It’s all I think I really want.

It’s just trying to find the best way to do it, that doesn’t leave me both penniless and homeless, or stuck under the same roof as him for too long.

Will dig out the mortgage docs to check the ERC, and see about speaking to an estate agent, solicitor, and maybe a mortgage advisor, on the down-low as well.

Good Luck x 
Have been there and it’s not a nice place to be but you’ll come out stronger 👍