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Do I have to pay half the mortgage, even though I'm not on it?

Posted on 20 November 2012 by Angela


My husband and i are seperated for 11 months we have 2 children aged 6. The children and I currently live in the matrimonial home. The mortgage is in his name only. I have been paying all household bills he is now saying I am liable for half the mortgage. Am I ?

Angela,

As the mortgage is in your husbands sole name, then you are not liable for half of the payment. If the mortgage was in joint names, then each borrower is "jointly and severally responsible" for the mortgage, which is to say that both of you are equally liable and responsible for the whole of the monthly mortgage payment.

I would suggest that you speak to your solicitor to try and arrange some mediation on this matter. If the long term plan is for you to remain in the property, will that include you taking over the mortgage in your sole name ? If so then it may be worth speaking in more detail to see if this is feasible.

Regards,

Simon

simon.collins@johncharcol.co.uk 

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