mortgages


A

ange_gill

can anyone help?
ive separated from my husband and im still on the mortgage, he and his new OH have applied for a mortgage to pay off our joint one (without telling me) can he do this and if so does my name still stay on the deeds? ive already contacted the mortgage company and given them my new address so they can send me letters but nothing has come regarding them paying it off.
 
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D

David Woolley

can anyone help?
ive separated from my husband and im still on the mortgage, he and his new OH have applied for a mortgage to pay off our joint one (without telling me) can he do this and if so does my name still stay on the deeds? ive already contacted the mortgage company and given them my new address so they can send me letters but nothing has come regarding them paying it off.
https://www.gov.uk/joint-property-ownership/overview

<http://www.aboutsmallclaims.co.uk/how-can-i-dissolve-joint-property-ownership.html>

There seem to be some conflicts between these, although I think they
agree that he can't sell or re-mortgage your share (50% if it starts as
a joint tenancy), and he cannot do anything without giving you formal
notice.

I think I would expect a mortgage company or conveyancer to err on the
safe side and insist on your agreement. In any case, I would guess that
the market value of a share of a property with a sitting tenant who was
also a tenant in common would be rather low.

However, if warning him off and warning off the mortgage company doesn't
work, you really need professional advice.
 

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