Very long one so please bare with me...
I bought a house with my mum when I was 18 (10 years ago). House was 150,000 and have paid the mortgage since. Mum moved house to a £300,000 house after receiving some money from a family member. We transferred the mortgage and have paid £300 a month for 10 years towards the houses.
Fast forward 10yrs, I met my lovely husband 9 years ago and we have 2 children 5 and 2. We are currently renting but finding it hard to save as we are paying for mum's mortgage. ( I have never lived in these houses). Ne and my husband are now looking to buy a house and (as my mum promised whilst growing up) I have asked for 30,000 for a deposit. This is what I have put into the house over the years. I'm not asking for a penny more.
However she has now told me she has used what she had in savings (20,000) to pay the rest of the mortgage off leaving 16,000 now left on our mortgage. And that she doesn't have the money to give me. My mum owns 4 house, rents 3 out, has a well paid job and holidays 3-4 times a year. We on the other hand are literally drowning.
I have asked her to remortgage the house and take my name from it and she has refused as she states she will then have to give me 125,000 and she's not doing that.
Where does this leave me? Would I be unreasonable to get a solicitor involved?