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Removing the ex

Bonzos_mum · 2024-08-20 11:07:51

HI, 16 years ago when I got divorced the court order stated he had to remove his name from the mortgage, he never bothered so for the last 15 years I have been trying to do so but they say they cannot remove him as they do not have the policy or process in place. Surely a court order shoule mean they have too remove him?

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Jemma01 Posts: 390 Forumite

21 August 2024 at 11:08AM edited 21 August 2024 at 11:08AM

Sorry about that, sounds like a nightmare. They won't remove him unless you're able to carry a mortgage on your own (or with a partner they approve of). Could you sell the house and downsize? How much mortgage can you afford on your own?

Note:
I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
Q4/2024 = 139.3k (5.19% interest rate)
Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
Q2/2025 = 108.9K (interest rate 4.44%)
Q3/2025 = 103.9k
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Removing the ex

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