Transferring mortgage questions

[Marriagebreakdown21]

Backstory DH cheated and we think can cop aren’t but not be together. Possible on future but not now.

Without judgement on me being a mug, can I have house transferred into my sole name and have his wages still count towards mortgage? Kind of collateral if he screws us over again but we need his wages to count.

No.

Ok. Well that’s the end of that idea

Not even in guarantor type capacity I guess?

He'd need savings or separate property as collateral

Won't he have to pay for his own home?

Not thinking straight, not slept much

Should read co-parent

He would like to live here but have name taken off. I would t get a mortgage on my wages alone. He is happy to pay “rent” to stay in family home

Goodness no. He has cheated on you why on earth would you want to tighten the bind between you? You can co parent without living together

If you are married and living in the same home then he would have legal claim in the property even if his name isn’t on the deeds.

The bank will want the names on the mortgage to match the names on the deeds. Very few will allow you to be on the deeds without being on the mortgage these days, and I don't think you could mortgage a house that you weren't on the deeds for. HSBC used to allow it, but stopped it a year or so ago in almost all cases.

The only way to do this would be for you to increase your hours or change jobs so you could pass affordability, get the mortgage yourself, and then he could be removed from the deeds - but he'd be advised to take legal advice before doing that, from whomever you did the legal paperwork with, and they'd strongly advise against it.

And from a wider perspective, it wouldn't matter anyway - you're married, so in most jurisdictions, he'd have a claim over the house anyway.

I can absolutely appreciate your need for security here - but I also think you should look at why you have that need. You don't trust he won't do it again, and you're hoping that the threat of losing his house would be incentive enough for him not to... That's not why you want him to be faithful.

I am sorry. Give yourself time to decide what you want to do once you've processed the shock.