We did have a Consent Order drwn up over 18 months ago but then he decided not to sign so I am now in limbo with that.
It is ok with me though as I am in FMH and can manage quite well so just leaving it to him to start proceeding re finances as and when he feels like it.
Sooner you get that Consent Order drawn up and signed the better. I doubt if you can offset what you have paid in mortgage as you have had the benefit of living in the house.
House prices have also risen an awfull lot in 5 years with the trend still showing increases. You do not want him to suddenly pop out of the woodwork and force a sale at the latest price.
I would also inform the mortgage people that your are divorced but resident. Also point out that payments are coming from your account which will give you bonus points if the worst comes and he cashes in. You have proved that you can pay x amount every month.
DO NOT take the line as many do of not paying the mortgage as that soon leads to big probs. Don''t forget that you must also pay house (property) insurance !!!
Lenders must see situations like this every day and as long as you are open with them and don''t stick your head in the sand they play ball.
Thank you mortgage and bills paid regularly.
I am happy to sign order but any contact we have he says he has no problem with it but still doesnt sign it. Not to worry I have everything in order should he change his mind.