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!

@Tulip2478 You don't need to delete the thread. You need this one to see that you're being financially abused. You sound scared of your husband and his gaslighting shit. Keep posting so you get some support

Why? They're married, it's the marital home. She doesn't need to be on either.

She does. It’s incredibly easy to hide assets in a divorce, if your spouse doesn’t know what you have where eg in the way of mortgages. See quite a lot of people’s crap settlements on this site for details.

Ok so if your not on the mortgage or deeds technially ur not. Howverr ur married so ur entitled to half of anything. Legally they wont recognise u. When u say contribute what do u mean? If u mean bills this means nothing? Mortgage? Or have u had any work done on the house u paid for or help paid for? If u have and u have paid for the mortgage and u ever need to get rights on ghe house thisnis the way to do it. If u have profited the house made it better in anyway. Made money on it ur rights are there…but marriage makes u entitled either way if u wasnt the above applies with money etc and payments.

No one thinks you’re an idiot. You have been beaten down by an awful
controlling man.

It’s great you are getting things moving.

If he dies though and his will does not leave the home to her, she’s homeless.

Why are u an idiot? Your married? Your entitled to half?

No OP, you keep claiming the child benefit and having it paid to you. This is what it's for, so women in abusive relationships with no access to their husbands wages have some money to feed and clothe their kids with. The government will claim it back out of his wages if he goes over the earnings limit. Don't let him bully you into stopping the claim or having the money paid to him, it's yours.

Doesn't this depend on what country she is in?

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

He's literally milking her for cash. She's earning only 22hrs/wk but somehow paying half the mortgage, which isn't even her mortgage! Whilst he has the deeds solely in his name and earns over the child benefit limit so £50k+. You think he's set that up and isn't going to try to hide/spend any equity that is created?

OP you realise you don't have to pay the mortgage at all don't you? You'll still be entitled to a share of the equity if you split up, because you're married.

If he hasn't made provision for her in his Will, a claim would be able to be made against his estate.

@Tulip2478 don't delete the thread - as well as helping you, leaving it up will help other women in a similar situation.

If you register a Home Rights claim with Land Registry, he will not be able to sell or remortgage without you being informed. Please be aware though, that he will be notified if you place this restriction.

You can place an alert on the property so if any changes of ownership take place you'd know and he WON'T be notified of that.

I would advise speaking to Women's Aid, they'll be able to point you in the right direction for assistance.

I am unable to have the thread deleted anyway. That was in response to the post saying I should have added to my previous thread which gives the full picture.

Thanks for the continued replies. I posted in chat and not relationships because I needed a fairly quick response to the credit card question. But as @AlpacaAPicnic said, i shouldnt have started a new thread just for that, but should have added to my previous thread in relationships. I can see now i have confused some posters. Just to say that I am aware that I still have rights if I were to separate from H. I have contacted Women's aid yes, but am not in a position to make plans to leave yet. I know I can register with Land Registry but I do not feel comfortable or tbh safe to do this, because H will be aware and he will get v angry. I have the answer to my question now and will put homeowner down on my application, thanks again mumsnetters!

You can start as many threads as you like. It's a talk forum. Nobody is in charge of how many posts you have.

It doesn't matter if people are confused. Some people are easily confused for a start. And they don't need to be on your thread if they find it so difficult.

You use MN for what it's for. Support and information and talking.

Op you’re not an idiot and I don’t understand peoples hysteria, you’re married so you are entitled to half the equity in the house if you divorce , irrelevant of what’s on the deeds, very different to if you were just co habiting

however technically no you’re not a home owner.

Yes I'm aware of what I'm entitled too. Just wasn't sure if I was classed as a homeowner in the context of a credit card application.