Mortgage with ex partner

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  • #24905 Report


    I am a single mum to a 3 year old boy.

    My ex and I bought a house in August 2014, it was a higher interest mortgage due to my exes bad credit.

    My ex left me when I was 7 months pregnant, I have been a single parent since then.

    I was taken to court by my ex as he wanted to sell the house that my son and I were living in, he was paying half of the mortgage. We have finally finished court proceedings and I was told I can stay in the house until next year which is when I can buy my ex out of the house. He was told by the judge that he did not have to pay half the mortgage anymore.

    Due to the high interest mortgage (£1100 per month), the £800 nursery fees that I solely pay, bills which are solely paid by me plus all other living expenses, I am unable to pay the full mortgage by myself.

    I am unable to remortgage until my son finishes nursery, August 2020, due to my outgoings.

    I have asked my ex if he would agree to renting the property out for a year, until I can remortgage and afford the monthly payments but he said no. He said I should sell the house now. I am unable to do this as there is not much equity in the house and I would not be able to purchase another property for myself and my son.

    I have also spoke to the mortgage company and asked if they can lower payments for a year, they have said no because I have unsecure debts. If I get these debts wiped then it will affect my credit and I will be unable to remortgage next year. If I did manage to get them wiped and the mortgage company agreed to lower the payments for a year then this will also affect my credit but also my exes.  I have informed him of this but he is “mr know it all” and thinks he has it all in hand.

    I can’t afford to pay for a solicitor as I have just had to pay 13k to get me this far. Please can someone give me advice. Is there anything I can do to make my ex agree to renting out the property for a year?

    #24908 Report


    Hi, I really feel for you as I have been left in a similar situation.  Left with the mortgage but can’t afford to move yet… do you receive any sort of benefit?  If so you can claim help paying the interest on the mortgage… (I personally don’t qualify so don’t know the ins and outs but always worth looking into).   Also while your husband doesn’t have to pay the mortgage he is jointly and solely liable by the terms of the mortgage, meaning if one of you can’t pay the mortgage company can seek payment from the other.  May be worth reminding him of this…

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