Mortgage Liability

Posted on 10 February 2011 by ashleigh kennett

I took a joint mortage out in May 2008 with an ex partner. We split up in January 2009, I moved out from the property and haven't been back since. I recieved a letter from Halifax last week stating I owe £22,000, is this half of the mortgage? I don't understand I thought the house would of been repossessed?

If you could share some light on my situation I would greatley appreicate it.


When you took out the mortgage with your ex partner you signed a contract stating that you would be jointly and individually responsible for making sure the mortgage payments were paid on time and also responsible for any loss Halifax sustained if they had to repossess the property. Unless your name was removed from the mortgage when you split up these covenants still apply.

I don't know the size of your mortgage, but £22,000 seems to be too high to be just arrears of mortgage payments and I suspect that it is compiled of payment arrears, legal costs and a loss on sale.

I recommend that you ask Halifax for a breakdown of the figure and seek independent legal advice about your situation.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

You are currently offline. Some pages or content may fail to load.