Can you still freeze a mortgage???????

[northernsole]

Hi all, I apologize in advance as this will probably become long-winded.

My husband and I are in the process of getting divorced.

I've left the house and am moving on, while he's stayed in the house which is up for sale. Our mortgage is �800 per month. A year ago I left my job (in which I earned a great deal more than my husband) to start my own business so money is tight however, my husband still has a well paid job.

Since I've left my husband has understandably I suppose decided he's only going to pay half the mortgage and council tax but will pay all utilities as he's the one living there.

My argument is that I am struggling to keep business afloat which I took on when our finances were secure so I can't afford to pay out the �500 a month as well as cost of living etc.

So I was wondering if there's anyway to freeze the mortgage untill the house is sold then use money left to pay off missed payments?

Hope that makes sense. Any help appreciated.

[innocenti]

It depends on your mortagage and the terms and conditions attached to it. It might be best to ring your mortgage company and ask their advice. I dont understand why he is only paying half the Council Tax as he is the only one living in the house so he is liable for it. Very odd

[EverClean]

He can only pay half if he wants but he must understand that if you don't pay the other half then it will appear as a missed payment on HIS credit record aswell. The mortgage is a joint and several agreement that binds you both to pay and you both to be liable for any action as a result of not paying.

The lender may accept a "payment holiday" for a short time. It really is best to speak to your lender in your situation as if they don't know what's going on they won't be able to offer a solution. These things are a million times better sorted before you have any difficulty paying.