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Original poster

Partner mortgage not me

12 replies

newforthis · 15/10/2021 23:30

My partner brought a house (mortgage) we have been tiger 8 years (2 kids) I'm not on the mortgage because according to him I'm not earning enough. Is this true? I've signed a form for not being a sitting tenant but I'm confused

OP posts:
Original poster
newforthis · 15/10/2021 23:31

He says because of my bad credit history I can't be checked and be on the mortgage??

OP posts:
Original poster
newforthis · 15/10/2021 23:34

Am I being taken for a total mug. If so how do I get out with my kids. I can't be doing this homelessness again. I can't let him take our 4 & 5 year old. I was done wrong when younger (although no kids involved) so was easy compared to kids involved

OP posts:
Aquamarine1029 · 15/10/2021 23:36

Are you married?

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General money
Cocomarine · 15/10/2021 23:42

He’s perfectly entitled to buy a house in his name, with him on the mortgage - whether or not you have earnings and a credit rating that would be OK for an application.

When did all this happen? It’s not at all clear.

Have you contributed to the deposit or the mortgage repayments? Either directly, or through enabling him to earn money to pay it through being the main carer for the children?

You’re in a very vulnerable position, financially.

Cocomarine · 15/10/2021 23:43

Sorry, posted too soon! Meant to add: so your focus should be on staying as employable as possible and building your own savings.

Viviennemary · 15/10/2021 23:47

Are you contributing to the mortgage. And did you pay anything towards the deposit.

AnneLovesGilbert · 15/10/2021 23:50

Did this happen recently?

Are you paying towards the mortgage? Were you both paying rent before this happened?

Jumping to potential homelessness suggests it’s not a happy secure relationship. But you’re right to be concerned.

AnneLovesGilbert · 15/10/2021 23:51

Is there a reason you’re not married?

BluebellsGreenbells · 15/10/2021 23:53

You can go on the mortgage - they prefer two if there’s a problem they have two people to chase for the money.

But he could turf you out

YoungGiftedPlump · 16/10/2021 00:11

@BluebellsGreenbells

You can go on the mortgage - they prefer two if there’s a problem they have two people to chase for the money.

But he could turf you out

That isn't accurate

It is based on affordability. He may well be able to borrow more as a single applicant with no dependants than as a dual applicant with others financially dependent on him.

YoungGiftedPlump · 16/10/2021 00:12

@newforthis

He says because of my bad credit history I can't be checked and be on the mortgage??
Quite possibly true. Do you have bad credit?
YourFinestPantaloons · 16/10/2021 00:14

This is why it's so important to get married if you have kids, you have far more protections no matter who owns the house.

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