Credit card- am I classed as homeowner?

[Tulip2478]

A really stupid question!
If I am married but only my husband is on the mortgage and the deeds of the house but i am not, am I classed as a homeowner in the context of applying for a credit card?
The mortgage was started after we were married and I contribute to around half of it if that makes a difference.
I am not very savvy on these matters!

Yes I do. I work part-time, I have no savings but have set up an ISA to save 100 a month. H won't get a joint account and we have never had one.

No it's not true, and I'm sorry you're going to get the brunt of my frustration but it is infuriating how many women seemingly have no interest in educating themselves financially!

So long as the affordability calculations fit, then it doesn't matter what you are or aren't earning. You could almost certainly have been put on the mortgage and thus the deeds as the second applicant.

I work 22 hours, it goes into my account. We don't have a joint account, H didn't want too, we have 3 children, yes I get child benefit although H earns too much so think that will stop soon.

I'd be telling him you're no longer contributing to his mortgage and put that money in savings so you can get the fuck away from this abusive prick.

He's lying about earning too little. He's trying to make sure he keeps everything. Clearly that doesn't work if you're married but it's utterly wrong you're not on the deeds. I hope that you can find a way forward

Your DH has lied to you. I am on the mortgage/deeds 50:50 and I was a non earning SAHM when we bought.

Thanks for the replies. I can't looknow because H is lurking, I have to quickly go. Will reply when I can.

DH is not on the deeds or the mortgage (in my name only).

he puts yes to the homeowner question as it is a marital asset.

Your husband is talking rubbish - you could be earning nothing and still be on the deeds. The mortgage on our home is in my name only, but the house is definitely in both our names.

Op when we took out our current mortgage I was only working part-time (still am). Didn't stop the bank taking my wage into account and putting me on the mortgage. In fact we got a larger mortgage as they took my wage into account. Your husband is being manipulative.

With child benefit, you can still receive it however much your husband earns. However if he earns above £60k (I think), he'll need to fill in a tax return, and he, note he, will need to repay it. That's our situation (minus the abusive husband) - receiving child benefit also means I get NI contributions as I don't earn enough to pay NI at the moment. The child benefit comes to me, in an account of my choosing; DH is responsible for repaying it if he earns above the threshold.

You don’t need to stop child benefit if your partner earns over the threshold. You can continue to claim and they pay it back through PAYE. Don’t let him talk you into stopping child benefit going into your account.

Hi OP. I am so sorry you find yourself in this situation. Perhaps it might be worth going to see the Citizens Advice Bureau and speak to some there about financial matters. Your H is financially abusing you, and they will be able to help you and give advice about the best course of action to take.

If you were to ask me, then I would suggest that you start making plans to leave your abuser and divorce him. That might end up being the only way you will succeed in accessing what is rightfully yours by marriage.

Please don't stop child benefit. It protects your NI contributions (state pension) assuming it's paid to you in your name.

Your DH is responsible for completing his own tax return if the money needs to be recovered.

He's talking bullshit. My DH works part time in a minimum wage job. I'm a partner in a law firm.
Guess what. We are both named on the mortgage and we are both on the deeds.
Either way and even without being named on the title you are entitled to a fair split in the event of you splitting up. Even more so if you have children.
For the purposes of the credit card it simply doesn't matter what you select. It's not secured on your home so choose the option most relevant (eg if your options are homeowner or renting choose homeowner)

Your H is a lying, controlling pig.

I don’t work at all, yet I’m on the mortgage and the deeds of our house. Everything we own is ours, all the money is ours. We do both have a savings account each, that we put the same amount into each month to do with as we like, but everything else is joint.

If I were you, I’d be getting legal advice tbh.

I am not sure if women's aid can help with this but it's worth reaching out to them as if they can't directly help, they can advise on where to get help with financial abuse.

I am sorry you are in this situation but it's great you have recognised it and are trying to educate yourself.

Keep doing that, keep asking on MN but reach out for legal advice and women's aid will be a good support too.

He’s lying. I was on the mortgage of 2 homes and I earned zero.

@CutthroatDruTheViolent I am the first to admit that Im an idiot! Its hard to explain but H has a way of making me afraid to question anything he does and he takes control of everything. Hi is also a decade and a half older than me so hes had more experience. But yes I know i have been very stupid I see that now.

Thanks for your replies. I have tried to access help already, I have written this in my previous thread so won't bother repeating- mumsnetters are probably sick of me!
I will put homeowner for now as it seems it won't comeback on me in a negative way.

Can I ask why he's not on the deeds or mortgage?

Don't stop claiming the child benefit your H will just have to do a tax return instead or increase his pension contributions to lower his taxable income.

You can register your interest in the house so he can't sell or transfer ownership without you being informed.

If you currently pay towards the mortgage ensure that the transfer is marked as "mortgage transfer".

Provided you have a marriage legally recognised in England/Wales the house is a marital asset regardless.

Don't you have another long running thread? About this exact thing?

Why not add to that? I'm not being snarky but starting new threads will just lead to people answering who don't understand your very very long and detailed history with this man. And you can't blame them

So my advice would be to stick to one thread. I know you may wish to catch the eye of new posters for support but honestly, just have one place to post all this

No it wasnt about this i just wnated an answer to the credit card question. OK. I will ask for it to be deleted. I didn't mean for this to lead into a big discussion I just wanted a quick answer, sorry.

People do not think you are an idiot. They are worried about you and shocked that you are in this situation.

Nobody is sick of you. You can post as much as you like.

You've explained quite well how your husband makes you feel, you aren't the first and you won't be the last,

How you are being treated in your marriage is not OK and it's not the norm. You should not feel the way you do.

You are in this position because the person you are married to has put you there, it isn't your fault.

Complicated.

to start it’s my house. I bought it before we met. I did remortgage, but dh is self employed and a low earner so I actually got a better deal in my sole name.

secondly he has adult children from a previous marriage. They will inherit dh’s house that he owned and signed over to his ex (her affair btw). My house goes to our kids (roughly equal values, so all kids will inherit the same). I don’t want dh to be able to inherit my house and leave it to a new wife, or his previous kids, or anyone else. He has a life interest so will not need to leave unless he chooses. My name, it goes where my will says it goes.