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Getting off a joint mortgage

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MrSBu
Posted by
New Member

19 Feb 16 #474435 by MrSBu

Topic started by MrSBu

What are my options given my ex girlfriend still lives on our joint home and can''t get a mortgage in her own name

kj40
Senior Member

19 Feb 16 #474443 by kj40

Reply from kj40

Are you married or just co-habitees??

Are both of you on the mortgage? If she is on the mortgage- are you able to speak to the mortgage lender and see if you can afford to remortgage into your own name only?

If you can''t so this then it''s likely you may have to sell unfortunately.

LittleMrMike
Platinum Member

21 Feb 16 #474491 by LittleMrMike

Reply from LittleMrMike

You use the expression '' girlfriend '' which to me implies you are not and never were married.

If you are both parties to the mortgage that implies you are joint owners. If this is the case she has the right to live there. One of the benefits of ownership of a house is the right to live in it.

So you may consider a buy out if you can afford it. You can apply for an order for sale.

Before you take the latter course you should definitely take advice from a solicitor specialising in property law.

I assume there no dependent children ? Could make quite a different if there were.

LMM

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