To be worried about paying into HIS mortgage

[Macbeth8]

have just paid a large sum into my partner's mortgage. I came into money and it was agreed I would contribute to the mortgage he had when I first movrd in.
Im having second thoughts.
Financially, is this advisable?
We are married with three kids. How do I protect this money that ive put in or is it too late?

Why isn't the property in joint names?

Should have done a deed of trust first before sticking the money in. You can do it now. But the lender may have an issue with it.

Why isn't your name on the mortgage? You shouldn't have moved in with him without doing that.

You're married, shouldn't that cover you?

If you are married then any assets would be shared though.

If you're legally married then you are protected that way as if you split up, the starting point would be 50/50 split financially including the house even if it is just in his name.

I would insist on being added to the deeds and mortgage if possible. Why haven't you done this? Why did you pay in unless you knew it was a good idea? What's done is done now.

If you’re married then you’re covered. Doesn’t matter if you’re not on the mortgage

You are married with three kids! Of course you should contribute to the family finances when you come into money. I don’t know why you haven’t put you pr name on the house deeds, but regardless the property is a marital asset now.

Financially, was it advisable for him to marry you and overnight give you a claim on a valuable asset of his?

No-one can answer your question without more detail.

Your use of the passive tense “it was agreed” is notable though.

That depends on where she lives. That's not always true.

You're married. You're fine.

Get added to the mortgage if you want or as someone said, a deed of trust but really, you're married. You should be paying into the home you both live in.

You are married.
The money you came into is joint money.
Do you have a will?

I thought you were going to say you weren’t married, but you are. And you have kids together.

The home is both of yours, is it not?

That's not always true.

OP you need to talk to a lawyer.

If he wrote a thread saying, "how do I protect the money I've paid into my mortgage from my wife and 3 kids" then he'd be getting slaughtered on here.

Your money and that house are both marital assets. You cant protect your money from him and your children, just like he cant protect his house from you and the children.

If you split, you can come to an agreement yourself about the financial split using solicitors to helps or a court will decide for you. But it isnt "his house" and it isnt "your money".

Its a very long story..my name WAS on the deeds then we had a huge split in 2014. I moved out and he took my name off.
We got back together in 2016, I moved in again but never put my name back on the deeds as then we soon got married. I ave contributed financially to his house btw before and after the split..paid bills, went part time not to mention a full years maternity for 2 of our kids where I had no money coming in at all.
The reason im worried because of his behaviour atm. I regret putting the money in as if we divorced id get half the house anyway with or without that large sum of money I put in

I don't think that is always true. There is such a thing as a bloodline will.

You wouldn't get 'half the house'. You'd get a portion of the equity, which has now increased by whatever you paid in.

I'm in sale situation OP, as you are married please don't worry about it. I've already looked into it and as we are married my interests are protected. Please just make sure you have Wills drawn up with each other as beneficiaries as him passing before you could be the only issue here.

Also when it's time to remortgage put house in both names.

Have you paid it in already?

You need legal advice immediately do not assume that you would get half the house you absolutely may not and more to the point with his name only on the mortgage he can literally sell that house from under you and there’s nothing you can do even having protected home rights will not prevent that house sale if he wants to go ahead.

@Alwayshoovering if the property is in your husband‘s name only he can remortgage it all and spend all the equity tomorrow on sex drugs and rock ‘n’ roll without your knowledge.

Depending on where you live the inheritance could be counted as marital assets anyway. I know Scotland excludes this.

Regardless you both now own a larger share of the equity.

Aquamarine
Apologies for being a cleverdick, but I love your Lady Macbeth quote: What's done is done... , in view of OP's name!