We're getting divorced and I want to have the mortgage in joint names, but the house in just mine. Can we do this?

Posted on 12 October 2015 by Sara


My husband and I are going through a divorce. The house is in joint names on the deeds and we have a joint mortgage. Can I put the house in my name only and take him off the deeds but retain the joint mortgage? He has said he will continue to pay the mortgage but that I'm not allowed by law to have the house solely in my name. He says that's only possible on buy to let properties. He's a financial advisor so I'm worried he's trying to pull the wool over my eyes. Can you advise?

What you are looking to do is known as "joint borrower / sole proprietor", which is where two borrowers are on the mortgage, but only one of them is on the title deeds. It is also not correct that this is only available for Buy To Let, though it is something which isn't offered by the vast majority of lenders.

If you'd like to discuss your options in more detail, then please contact one of our consultants on 0344 346 3672 and they'll be able to give you a more detailed idea of how we can help.

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