Help, just bought a house, now splitting up

[hoppetyhophophop]

Hello everyone. I need help, I’ve got myself into a messy situation and I really need some help to move forward.

I’ve been in a relationship for 4 years. 6 months ago we bought a house together at which point DP turned into a right shit and has very recently become abusive. I’ve no idea what’s triggered it and I’ve no interest in finding out. I've ended the relationship and he moved out a couple of weeks ago, he just wants his portion of the house deposit back, which I have in savings.

I need advice about what to do about the house. I can afford the mortgage very comfortably on my own but how do I go about changing things? Is it a case of informing the mortgage company and they check if I can afford it and if so, he signs everything over or (as I suspect) is there much more involved?

We’re willing to sell if I can’t take over the mortgage on my own.

We’re on a 5 years fixed term, which I think will mean early repayment charges if we sell it but how about if the mortgage just falls to me as opposed to the 2 of us?

Sorry if this is muddled, I'm feeling very foolish right now.

I will read over the mortgage Ts & Cs and get some further advice as soon as I can but I hope someone can offer some wise words in the meantime.

Thank you

No advice I'm afraid but well done to you, your future is much brighter now, and I hope you settle into your new chapter happily

I also hope you do something outrageous with the house like paint an entire room lime green with pink furniture just because you can

Well done you, hope 2021 is a much better year for you.

I bought my exH out and took on the mortgage, I had a chat with the mortgage co, increased the loan to pay him off and hired a good solicitor who handled everything, including making the payment to him. It was fairly easy.

This happened to me a long time ago. ITs awful, but you're doing the right thing.

Talk to a lawyer as soon as you can, and make sure everything with him is in writing and done in a legally sanctioned way.

Get him to pay as much of the fees as possible. Consider paying him in installments, rather than all at once. You may be able to pay him out, but make sure you keep enough cash for emergencies etc.

Above all, do what is best for you, and do not consider his needs.

Thanks everyone, for your kind words and for the advice.

It doesn't sound as much of an ordeal as I thought it could be but yes, I'll get the ball rolling quickly whilst we are amicable.

Have a nice day all

Good on you. You are not a fool. You are changing your circumstances and taking control. Good luck!

When I got divorced and took on the mortgage on my own, I had to pay an early repayment charge as it was treated as a remortgage rather than 'just' taking ex husband off the mortgage.

Hope you get it all sorted easily Hoppityhophophop

Well done OP for not putting up with his awful behaviour.

Good luck.