Is there any legal way of changing names of who owns the house without going through the mortgage company?

[spam_face]

Hi Everyone,

I split up with my boyfriend who i bought a house with, i don't want the house and haven't paid the mortgage for a while, i haven't aske dfor any money either, just want it out of my hair. My ex wants to keep the house, but as he is now self employed doesn't think the halifax will let him take it on without my name still being on the mortgage. Is there anything legal that can be done on paper without changing the mortgage details?.

Any help will be gratefull received.

Thanks,

Sophie.

[bednobs]

no. You could get a court order to sell though

[ummmm]

Unlikely. You could get a contract to say that all equity is his as he's paid for the house. But the bank wouldn't give two hoots. If he stops paying the mortgage. You both owe them money and they will come after you both.

[spam_face]

well i did pay half for 18 months, but the last 6 months i stopped paying as i'm not living there and he says he doesn't want to sell. I've heard that going down the route of a court order is really expensive, don't think i can afford it...

[hc4361]

There is no way you can remove your name from the Title Register at the Land Registry without the mortgage company knowing.
If the mortgage payments are not made, you will be equally responsible whether you live there or not.
Your boyfriend is being unreasonable. He should sell it, or find somebody else to share the mortgage with.

[spam_face]

i thought so hc4361, seems the only way really is to get solicitors involved, i can't sell without his permission. He doesn't see why i'm bothered about my name still being on the mortgage, wants to just carry on with the situation as it is but i'm worried if he doesn't make the mortgage payments they'll come after me too...

[bednobs]

plus if you want to buy another house you wont be able to

[spam_face]

that's very true bednobs, or probably any kind of credit in general, loans and things...

[hc4361]

You need to get an order for sale from the court if he refuses to sell.

Unless he has dependent children living there or has had the house adapted for a particular disability this order will be granted.

The courts consider it unjust for one party to be tethered to a mortgage they get no benefit from, unable to get access to the equity in the property so they can get another home for the sole benefit of an able bodied ex with no dependants.

You need to get on to it as soon as you can. Who knows if he will have a pregnant wife living there within the next few months.

[spam_face]

Ok thanks for the advice :-)