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Original poster

Separated - mortgage due Sep, no where to live

32 replies

Sunshineclouds11 · 12/04/2024 20:42

Hi

Recently separated, we've had a mortgage together for over 10 years.

It's due for renewal in September.
He's currently paying half but come renewal he's obviously not going to be on it anymore.

I very much doubt I'll get a mortgage on my own to cover, we have just under 100k left.

Wage is 21k. Currently on mat leave. Claiming UC and get DLA for one child. (Have two kids)

I've looked at places to rent to get an idea and the rent is more than my mortgage payment.

Can't move in with parents as not enough room and too far from DC1 school.

I have no idea what I can do, I would live anywhere but I've got two kids to think of.

Anyone who's been through it or is going through is, what did you do/doing?

Any help or advise is much appreciated

OP posts:
Original poster
Sunshineclouds11 · 03/06/2024 15:41

Kaleidoscope101 · 03/06/2024 15:03

@sunshineclouds11 - How did you get on? Hoping you are able to get a mortgage

No further forward.

Got to wait till end of this month to have 3 months CM going in which bank is asking for.

So won't know figures till then sadly.

I'm paying for it all and managing more than fine with the money I've got coming in considering I'm on mat leave so I'm hoping something goes in my way for once.

OP posts:
midgetastic · 03/06/2024 16:06

Can you still get a hold off the sale of the house until the child is 18 - you pay mortgage but the house isn't sold / he isn't paid off until the youngest is 18 ?

Kaleidoscope101 · 03/06/2024 16:12

Sunshineclouds11 · 03/06/2024 15:41

No further forward.

Got to wait till end of this month to have 3 months CM going in which bank is asking for.

So won't know figures till then sadly.

I'm paying for it all and managing more than fine with the money I've got coming in considering I'm on mat leave so I'm hoping something goes in my way for once.

Show quote history

At least they are taking things like CM into account. Fingers crossed for the end of the month.
I'm sure if feels like wading through mud but it will get better. Believe me.
I lived with ex H for nearly a year post separation and now it feels like a million years ago

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Original poster
Sunshineclouds11 · 03/06/2024 17:57

midgetastic · 03/06/2024 16:06

Can you still get a hold off the sale of the house until the child is 18 - you pay mortgage but the house isn't sold / he isn't paid off until the youngest is 18 ?

He's emotionally abusive. I already get made to feel guilty for receiving CM from him.
So I don't want any further ties tbh

OP posts:
Original poster
Sunshineclouds11 · 03/06/2024 17:59

@Kaleidoscope101 Yes thankfully and DLA to this deffo bumps my money up.

How did you manage to live with him for a year?!

OP posts:
Kaleidoscope101 · 03/06/2024 19:34

Sunshineclouds11 · 03/06/2024 17:59

@Kaleidoscope101 Yes thankfully and DLA to this deffo bumps my money up.

How did you manage to live with him for a year?!

It wasn't easy but I did it partly for the kids and in all honesty, partly for me as I didn't think I could manage alone.
Turns out not only am I surviving, I'm thriving 😁

JessicaRabbit6 · 20/01/2025 23:17

Sunshineclouds11 · 03/06/2024 17:59

@Kaleidoscope101 Yes thankfully and DLA to this deffo bumps my money up.

How did you manage to live with him for a year?!

Helllo how are you getting on? Did you manage to remortgage? Or did you sell

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