when we got engaged my husband and I opened a joint savings account, (at a guess 80% was my savings from salary and 20% his savings to buys house) approx three years ago 'we' bought a house.
The mortgage appears to be in joint names in that it is linked to out joint account (offset) and when I log onto internet banking it comes up, however I can not remember if I ever signed anything.
I have just found out that the legal owner of the house is my husband, although he has life insurance of which I am the beneficiary.
We have three kids under 10, I am aware what this says about my marriage which is why I am trying to gently sort this out, how do I go about it? go to bank? Go to lawyer? The original one or a different one? Thanks
Well first of all, don't panic too much if your name isn't on the deeds, as long as you are married, you have a right of occupation under the Matrimonial Homes Act and of course if you were to divorce, the value of the house would be considered to be a joint asset.
If the marriage is in trouble you can put a restriction on the Land Register to prevent your husband from selling or mortgaging the house without you knowing about it. He would be made aware of the restriction.
I suggest you go back to your conveyancing solicitors and ask them to dig out the old file and let you know for sure what happened when you bought the house.