DD's dad moved out years ago so it's just been me + DD in my 2 bed Housing Association house since. I've got a 50% share and £40k left to pay on the mortgage (rent the other half from the HA).
DD's in her 20s now and as much as we love each other it's not easy to live together so I spend a lot of time at DP's house, but I'm not allowed to move out as the lease is in my name.
I've asked for DD's name to be added to the lease (then I'll take mine off when DP + I move in together) but the HA say that's not allowed. Only spouse or partner can be added.
I'm not allowed to sublet the house to DD either so until she qualifies in her job and gets a decent enough salary to get her own place I can't see a way forward?
DP rents and we'd like to buy somewhere together but I'm not allowed to use the equity on my house to re-mortgage and buy somewhere with him and am not allowed a second mortgage while I have a shared ownership mortgage in place.
Anyone been in a similar situation and / or can think of a way round this?