To be on the deeds of the house

[Unicornetto]

We aren't married but should I have my name on the deeds of the house?

Me and my partner have been together for 15 years and bought our first house 5 years ago. The house is in my partners name as I had no income at the time as we had just had a baby. I have had various part time jobs to fit in around the children over the last few years and haven't contributed to the mortgage just the food shopping and clothes etc for kids.

He has just remortgaged and I've been asked to sign the 'declaration of no interest' (I did this before) but I'm wondering if I should be on the deeds as we're not married? Is this possible if I don't pay the mortgage and I'm not on the mortgage? He said he doesn't believe in marriage, even though I do and says he's happy as we are. I'm just worried that I have no financial stability, which is due to giving up my full time job to raise our family. I asked him if its possible for me to go on the deeds and he said no as I'm not on the mortgage and gets really annoyed with me for asking. Just wondering what other unmarried couples have done in this situation?

This afternoon I had a telephone appointment with the mortgage company that my partner is remortgaging with (I told him that I would be phoning them this morning to see if I could be added on he said no point blah blah but I said I'mdoing it anyway). The lady I spoke to was the same lady I met 5 years ago when I couldn't go on the mortgage as I affected the affordability. Now I'm earning, I'm not a dependant and so she calculated that me going on the mortgage without taking my earnings into account (as he can afford it without me) makes no difference to the monthly payments of the mortgage offer. As the mortgage is at offer stage, she's going to speak to the lender to make sure I can be added on. If its too late he can do transfer of equity after its gone through for a small fee.

How on earth was OP able to discuss her partner's mortgage and even request lenders being spoken to re the mortgage, without her partner's permission?

Is that not a data breach / massively against policy to share information about a mortgage with an party entirely uninvolved on paper?

Yes I don’t get it either, she would loose her job over that. You just can’t discuss someone else’s mortgage, their payments and being added to it, without his permission, that’s batshit, only the person going after the mortgage can do that.

and the whole he can do an equity transfer, he’s not agreed to that.

It sounds like a great happy ending. So please to hear that it was just ignorance rather than malice keeping you from the joint ownership.

I know it is possible for a partners income to be disregarded for the purposes of mortgage if one partner's income is sufficient. We did that most recent remortgage

I'm very surprised that a 'stranger' could have that conversation with the mortgage company. How t st if you get through the usual ID checks ?

Whats the happy ending?

Has OP been back?

I agree that I dont understand how she managed to talk to the mortgage advisor about confidential issues

I was totally shocked that the mortgage adviser would speak to me too. The initial conversation I was just asking the question if me going on the application without my earnings being taken into consideration was a possibility. I left my email address with the admin lady. I then had an email from MA later that day saying yes this is possible and asking me for my bank statements payslips I'd etc and asked me to phone back for a phone appt. Maybe it was because it was mybsame email address from 5 years prior when we made the 1st application? Anyway I phoned up and MA answered and she said we can fill in application now, gave her all my details and she couldn't get through to the building society to confirm a couple of things so I left it with her. Next day she emailed both of us to say we would have to go through the application process again if though its an edit and would mean new hard credit searches etc and due to my age they would have had to reduce the number of years on the mortgage making payments higher. As this was a bit risky due to the rates going up and my partner already had a fairly good rate secured we didn't got ahead with a new application add me on. The building society have confirmed that I can apply to be added onto the deeds though when its all gone through.

It would just be breakfast club and after school club, I don't think they would get much out of it to be honest and would cost £330 per week! I have used childcare in the past before they went to school, yes it is beneficial. But you have to weigh up whether the cost is worth it. Working 25 hours a week and not paying childcare makes sense until they can let themselves in after school!

I'm not sure I would trust advice from someone who has discussed with you the specific details of any financial arrangement you are not legally attached to, to be honest.

It's not permitted as it's a data breach and violates all privacy clauses.

So it either didn't happen or your partner needs to be making a formal complaint about how they've handled his data, private financial and legal matters.

I'm not saying he should have an issue with you wanting to do any of this.

He should have a HUGE issue with them speaking to someone unnamed on his agreements about those agreements.

Yes also seems totally bizarre that they would look to alter the application based on a conversation with someone who isn’t their client.

Well it did happen, why on earth would I make it up! He doesn't seem really bothered!

But he should be bothered OP.

He should be bothered that people entrusted to manage what is likely the biggest financial investment of his life are now speaking to third parties about that investment when they have no legal right to that information.

Any right thinking person would be massively concerned about that. You know you're you. So does he. But anyone could have called up and had the conversation you had with them.

They've breached his data and violated any code of conduct for the industry.

If that doesn't concern either of you then that's very worrying.

I agree with this. It's a massive breach and really needs reported to the ico.

Yes he was concerned but hasnt done anything about it. All of the above that you have explained we are already aware of.
We are 'right thinking' people..
This happened a couple of weeks ago now, if he doesn't want to pursue making a complaint I can't force him.

@Unicornetto

Glad everything worked out for you both

@Unicornetto I remember this one!
I’m really glad that you made the attempt to speak up and that it paid off!

Well done. Keep us updated when it happens because I’m sure it will be inspiring to others in your position.

Look back over the history of this thread, at a few posters on here telling you that there was no point, it wasn’t possible, etc.

I was insulted when I said to call and speak up about your situation, that it was in the bank’s interest to be made aware of your compromised situation and I was told that I was “living in fantasy land”!!

Moral of this is to ignore the doomsayers!

Isn’t it sad to have to acknowledge, that in life there will always be some people who gain pleasure from keeping their foot firmly on the head of women asking for much needed help? And the authority and vehemence with which they insist they are right! Never ceases to surprise me.

Isn’t it sad to have to acknowledge, that in life there will always be some people who gain pleasure from keeping their foot firmly on the head of women asking for much needed help? And the authority and vehemence with which they insist they are right! Never ceases to surprise me.

Or woman who understand that under English common law, a bank owes a duty of confidentiality to its customer, and it is an implied term of the contract between the bank and its customer that the bank will keep the customer’s information confidential.

The discussion that OP alleges took place was unlawful and should not have occurred.