Am I a Homeowner - or not!?

I'm separated from the stbx (not legally - yet) and renting privately. Home is jointly owned and my name is still on the deeds, and mortgage.

I'm not sure what I put on a Credit Card application? My instincts are that putting homeowner would be better, but also might be bending the truth of the circumstances

Comments

  • eskbanker
    eskbanker Posts: 29,969
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    If the property you own a stake in is no longer your home then yes, it would be bending the truth - what are the options that you have to choose from?
  • DullGreyGuy
    DullGreyGuy Posts: 9,202
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    The question is normally more explicit and states it in relation to the property you currently live in and so its not bending the truth but fraud
  • The question is normally more explicit and states it in relation to the property you currently live in and so its not bending the truth but fraud
    Ok thank you. That's the answer I needed. It doesn't explicitly state the property I live in, but I'm not going to take a chance if it could be fraud!
  • eskbanker said:
    If the property you own a stake in is no longer your home then yes, it would be bending the truth - what are the options that you have to choose from?
    It says "residential status". Usual options to choose from, the ones that would be applicable would either be home owner (mortgage) or Private Rental. Technically, I could say I'm both!
  • eskbanker
    eskbanker Posts: 29,969
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    eskbanker said:
    If the property you own a stake in is no longer your home then yes, it would be bending the truth - what are the options that you have to choose from?
    It says "residential status". Usual options to choose from, the ones that would be applicable would either be home owner (mortgage) or Private Rental. Technically, I could say I'm both!
    Residential status will relate to where you live though, so the fact that you own a stake in a property in which you don't reside doesn't allow you to declare yourself as owning your home.
  • If one has a stake in the ownership of a residential property, one is a home owner.  If the question is are you a home owner, the answer is yes.  If the question is do you rent or own the home where you typically reside (your prime residence), the answer is that you rent.
    Whether anyone wants to argue the case, well of course they can, especially in today's society where there are several versions of the truth and most people lie routinely in any event.
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