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Property ownership question

(2 Posts)
Nappiesandwine Mon 21-Oct-13 01:10:06

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

mumblechum1 Mon 21-Oct-13 08:40:25

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.

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