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To ask for the house to be in my name?

94 replies

Lurmusion · 09/02/2026 15:32

Hi everyone,

I didn’t know where to post this, so I posted it in AIBU.

My husband and I have had our house since 2000. We were supposed to have paid it off years ago but my husband decided to remortgage it to buy a car years ago. We therefore still have 10 years left on the mortgage.

I was a stay at home mum for 8 or 9 years and then started working full time to help with the mortgage. I have been working consistently since then. My husband has had multiple jobs and lost multiple jobs, he’s been flaky and inconsistent, leaving me with no choice but to take on full responsibility of finances on multiple occasions while he was looking for jobs.

He’s currently been unemployed since October 2024.

He’s left the country twice to go live in his grandparents’ farm in his country of origin. (November 2019 to July 2020 and October 2024 to October 2025).

He left him a lump sum both times (the first one was only enough to renovate the kitchen, the second one was enough to turn the box room into a wardrobe, but not for any other living expenses) but no monthly payment, living my adult sons having to cover his part of the mortgage, grocery, and bills.

He is now talking about separation and divorce.

I asked that he puts the house entirely in my name, as I can’t see how I would be able to do this by myself financially for another x amount of years if I were to buy him out.
My reasoning is that he has his grandparents’ house in his home country and his mother’s house here in the UK that he and his brothers will eventually inherit. He also talks about wanting to move back to his home country.

He refuses my suggestion.

I am stuck and don’t know what to do.

OP posts:
PollyBell · 10/02/2026 04:00

You want him to hand you a house and he says no and now this surprises you? nice try but did you really think he would 'sure where do I sign'?

everythingthelighttouches · 10/02/2026 03:02

I don’t believe he remortgaged only for the car. I think there will be much more that you don’t have sight of.

Why is it him suggesting a divorce and not you?

whynotwhatknot · 10/02/2026 00:29

was there anything else bought without you know remortgage shouldnt have added that long forjust 10k

Owly11 · 09/02/2026 23:51

You what? Your husband remortgaged the house to buy a car? I would have divorced him at that point. What an idiot.

HoskinsChoice · 09/02/2026 23:51

Lurmusion · 09/02/2026 23:42

The house is small and it’s the only asset I have and my children have from me. Half won’t get me anything where I am

That's irrelevant. He could offer it to you but you're certainly not entitled to it. And from what you've said about him, he doesn't sound like he's going to offer!

Lurmusion · 09/02/2026 23:47

Blondeshavemorefun · 09/02/2026 23:45

Buy a new battery. Make depending £1-200 usually

to remortgage £10k for a car which is now broken is insane

There’s more to it, most components are completely wrecked. I don’t know a lot about cars but I know it’s pretty much beyond repair

OP posts:
Blondeshavemorefun · 09/02/2026 23:45

Lurmusion · 09/02/2026 23:41

Yes but the car sat unused and it’s now broken, the battery is completely dead

Buy a new battery. Make depending £1-200 usually

to remortgage £10k for a car which is now broken is insane

Lurmusion · 09/02/2026 23:42

HoskinsChoice · 09/02/2026 23:25

As much as he sounds horrific, you're not coming across well here either by expecting to keep the whole house and trying to claim his future inheritance. By the sound of it you've both taken time out of work so that may be equal, (the fact you were looking after kids is irrelevant - it was still your choice to not work). Just get a solicitor and split everything in half. Job done. Trying to grab money/assets you are not entitled to is a waste of time, money and hesdspace. Stop faffing around and file for divorce. You'll be much happier for it!

The house is small and it’s the only asset I have and my children have from me. Half won’t get me anything where I am

OP posts:
Lurmusion · 09/02/2026 23:41

HoskinsChoice · 09/02/2026 23:27

But you said he'd remortgaged to pay for a car?

Yes but the car sat unused and it’s now broken, the battery is completely dead

OP posts:
DurinsBane · 09/02/2026 23:31

How did 10k add on well over 10 years to the mortgage?!

HoskinsChoice · 09/02/2026 23:27

Lurmusion · 09/02/2026 20:18

our son gives him money and paid for his car/car insurance etc…

But you said he'd remortgaged to pay for a car?

HoskinsChoice · 09/02/2026 23:25

Lurmusion · 09/02/2026 16:07

Would me taking care of our children for most of those 9 years have any weight in court?

As much as he sounds horrific, you're not coming across well here either by expecting to keep the whole house and trying to claim his future inheritance. By the sound of it you've both taken time out of work so that may be equal, (the fact you were looking after kids is irrelevant - it was still your choice to not work). Just get a solicitor and split everything in half. Job done. Trying to grab money/assets you are not entitled to is a waste of time, money and hesdspace. Stop faffing around and file for divorce. You'll be much happier for it!

Lurmusion · 09/02/2026 20:18

DaffyDuckz · 09/02/2026 18:34

If an inheritance has been mixed up with other money then the court is likely to treat it as family money.

If he has no job now, what money is he using to feed and clothe himself? Pay for his phone and petrol and car tax?

please tell me you are not bankrolling him…

our son gives him money and paid for his car/car insurance etc…

OP posts:
Dweetfidilove · 09/02/2026 19:55

Sounds like a lot of financial mismanagement here. A car that extends the mortgage for 10 years, kitchen refurbishment, wardrobe instalments and multiple unemployment and jetting off abroad stints. Weren't you involved in all these decisions?

You can't count on inheritance, not knowing when anyone will die. Maybe you can rely on your husband being stupid enough to just sign the house over to you though. He sounds financially incontinent so he may do so if you offer an incentive.

Heronwatcher · 09/02/2026 19:39

I don’t blame you for asking but he was never going to agree to this.

I think you need to see a solicitor and seek their advice on what would be a fair financial settlement, but yes they are likely to start at 50/50 for all marital assets. A court will take into account current things like pensions, cars, savings etc but not an inheritance that’s not been received yet.

Could you afford to get something decent if you got half the equity and your mortgage?

Cricketashes · 09/02/2026 19:38

Minjou · 09/02/2026 19:36

You extended your mortgage for at least 13 years for 10k? And it's going to take you another ten years.....wtf?

Exactly my thoughts.

Minjou · 09/02/2026 19:36

You extended your mortgage for at least 13 years for 10k? And it's going to take you another ten years.....wtf?

Zanatdy · 09/02/2026 19:30

A judge isn’t going to agree for you to get the whole house in a divorce as your DH will (or may) inherit later down the line. Starting point is 50-50 but the judge will look at each persons ability to house themselves. You may need to sell the property and both buy something cheaper / smaller.

PinkFrogss · 09/02/2026 19:22

Lurmusion · 09/02/2026 18:24

For £10 000

So you bought the house 26 years ago with a relatively short term mortgage, your husband borrowed an extra £10k on it and extended it by 10 years.

You have 3 adult children so presumably at least a 3 bed house?

Whats the equity in it, and what is it worth now? Sounds like if you divorced and sold you’d get enough from the house to get a decent property outright.

Didntask · 09/02/2026 19:10

Assuming you're in England/Wales, who contributed what doesn't matter. The house is a marital asset and now there are no dependant children, 50/50 will be the starting point and probably near the end point for splitting assets. Its all based on needs. Any RECEIVED (not perceived) inheritance that might form part of your husband's assets could be taken into account if it's required on a NEEDS basis for settlement.

Madarch · 09/02/2026 19:00

Snowdropsintherain · 09/02/2026 15:49

If you are married, you both own everything everything 50/50
All assets

Yep.

And that would be the starting point. The courts might decide a different split depending on the specific details of your financial arrangements, OP.

herbalteabag · 09/02/2026 18:55

You can ask him to take his name off the mortgage but he will probably never agree, since it is a massive asset - most people wouldn't. It's also not a given that the bank will allow him to do it if you don't pass the affordability checks (which aren't based on whether you've been paying it or not).
The only thing you can do is go to a solicitor, but I don't think you will get the outcome you want.

DaffyDuckz · 09/02/2026 18:34

If an inheritance has been mixed up with other money then the court is likely to treat it as family money.

If he has no job now, what money is he using to feed and clothe himself? Pay for his phone and petrol and car tax?

please tell me you are not bankrolling him…

Jellybunny56 · 09/02/2026 18:28

You’re not going to get 100% of the house, you need to accept that. Your starting point in divorce is 50/50, with no dependent children that’s unlikely to be deviated from really so I’d start preparing for that. It’s 50/50 of ALL assets though so you could try to trade off car/savings/pension for example for a larger % of the house.

Inheritance is not a marital asset though and so you’re not entitled to that.

Lurmusion · 09/02/2026 18:24

Blondeshavemorefun · 09/02/2026 17:45

How much did he remortgage the house for extra ? Seem insane to do that for a car

and yes that car is an asset - where is it?

For £10 000

OP posts:
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