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Can I remove my ex from the mortgage?

Posted on 7 June 2013 by Julie


Hello. My Husband walk out of mine and my childrens lives 3 years ago, and we have not seen or heard from him since! My children are now 18 and 13. The mortgage is in joint names. 3 months payments were made by debit-card from my ex husband in 2010, and since then no more payments were made by him. I am currently on income support and pay myself £309 each month for the mortgsage and the DHSS pay £180.00pm towards the mortgage, making a total of £489.00 mortgage payment each month. My Son is disabled (Autistic) and my daughter attends full time college. I support both my children with help from income support. I wish to have my ex husbands name removed from the mortgage, is this possible please?

Julie,

This is a difficult one to answer, and to be honest it's more a legal issue than a mortgage one. To have your ex-husband removed from the mortgage via a 'transfer of equity' would require his signature, and I  would say that with the current income situtation, it's highly unlikely that your current lender would allow you to take the mortgage on in your sole name.

I would recommend that you need to take legal advice, because via the courts there are likely to be more options to safeguard your position in the property, including having him removed from the deeds, even if he stays on the mortgage, which could be an alternative option. 

Regards,

Simon

simon.collins@johncharcol.co.uk

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