to hink bank jsut wont let unemployed exP have the mortgage in his sole name

[cestlavielife]

trying to get financial separation from my exP via court order to sell joint owned property and share equity..

i joint own two flats with my exP. one is rented out, one he is still living in. he has no job. cannot get mortgage interest support as is joint owned/both names on mortgage.

i moved out and rent elsewhere with DC. i have a job.

both flats have same size mortgages and similar equity. both mortgages on interest only.

he is proposing to court to divvy up "one flat each" so i get the rented out flat (which i intend to sell and buy elsewhere).

he proposes to keep his "home" of 17 years and have sole ownership of the flat, transferring ownership and mortgage on the basis that by having sole ownership and mortgage he will be able to get support for mortgage interest.

i cant see the bank agreeing to that - under what circumstances might they agree to transfer to him?
he may well be on ESA forever (long term MH issues) and therefore mortgage interst support could in theory be indefinite. but wholely depends on govt decisions right? and in any case that would only pay the interest.

lots of other madness in his proposal but is there any way bank would accept this eg

• he gets a guarantor
• he proves he will inherit later to pay off the mortgage
• ???

surely the bank is going to laugh if i say to them i want off the mortgage and to transfer it all to him?

I doubt it. When I had my Husband's name added to the mortgage they wanted 3 or 4 months worth of wages slips. They made it quite clear that he had to be able to afford the payments.

Mortgage interest is only paid for two years maximum if you are in receipt of a qualifying benefit (ie ESA), IFAIK. So he won't get very far with that proposition, sorry.

My ex had a right job on taking over the mortgage - even getting one on his own - when we split and he works full time.