Cheating scumbag mortgage issues

[Shitsituation]

Hi, NC due to outing situation.

Posted in AIBU for traffic.

I have recently had a baby (younger than 6 months old) with my now ex-P (not married).

I found out he had been cheating using prostitutes since baby was 3 weeks old.

Obviously heartbroken but trying to get sensible hat on as I am now on maternity leave with 3 children to provide for.

I’ve had to move into my parents house with the 3 children as new house was miles away from any support network, ex has stayed in house. We are NC.

He has told a family member that he will continue to pay mortgage until sold as the agreement was he would pay all mortgage and bills when we moved in. Mortgage in both names. If he does make all mortgage payments from date I moved out, will he receive more than a 50% split of equity?

As not to drip feed my eldest 2 children aren’t his, we bought house from my family with a decent discount (used as gifted equity) and I have contributed financially to renovation, likely around 65% of renovation costs.

He’s gone from being the most amazing man I’ve ever met to a monster in the space of 6 months and on reflection I am identifying manipulative and coercive behaviours and feel like an absolute fool for sacrificing everything for our ‘family’.

Ive no doubt he will be a selfish nasty tw@t from now and will of sought legal advice, I appreciate I need an appointment with a solicitor and I’m in the midst of arranging that but the mortgage payment is due soon so I need to make a call whether I’ll be contributing, obviously I could do with saving as much as possible given the sh*t situation he’s put us all in 😪

Certainly get legal advice, but if the property is in both your names - I think it is irrelevant who makes the payments unless you have something legally binding which sets out an alternative split. It would therefore default to 50/50 at point of sale.

Every household has a single person or bank account paying the mortgage - there isn't a structure where each payment is forensically analysed to decide a % contribution

My ex SIL moved out and soon stopped paying her half of the joint mortgage and they got 50/50

It will be 50/50. You could argue the discount resulting in equity was from your family and perhaps get more. Seek some legal advice. Hopefully it sells soon.
I’m sorry you are having to deal with all this.

Did you buy as joint tenants, or tenants in common?

Joint tenants you’ll get a 50-50 split regardless, I believe. So you could stop paying it if you’re sure he won’t default and thus screw your credit rating.

Tenants in common it will be what percentage you both agreed when you bought, and I’d keep paying the mortgage.

I would imagine joint tennants but not 100%.

I honestly wouldn’t even be too bothered by the split of equity but there’s a house I could buy near to my family slightly over my budget, getting the deposit money back would almost cover that shortfall, there’s potential I could save the remainder.

In the house I rented when we met up until we moved into the mortgaged property the rent was under £800pm in a lovely good sized house close to my friends and family, similar properties now are £1400pm 😢 completely out of my price range, however the house I’ve seen that I want to buy is shared ownership and affordable and not too far from family.

He had already cheated once before we moved and let me move myself and my children 30 miles away with this knowledge, I didn’t find out for a further 6/8 weeks 😢
then cheated another twice.

Thanks everyone for your advice, need to speak to a solicitor but as you can all imagine I’m up the wall with a new baby, two older kids living out of suitcases, I’ve spoken to a friend who’s a solicitor today and they’ve said they’ll do their best to help advice wise but their firm is very expensive so to take all the advice off them and look at instructing a cheaper firm if needed.