Housewife needs a mortgage

[Ckatieeee]

Hi

I’ve been married for 30 years, have two daughters 22 and 17. And my controlling/emotional abusive husband hasn’t let me work for 17 years.

So my husband of 30 years has decided he wants to kick me and my 22 year old out because he found I have the occasional secret cigarette in the bathroom.

Because of the way he’s acting, threats he’s made and our past I’ve decided to take it further and start the ball rolling to get a divorce.

I haven’t worked for 17 years since my youngest was born and this was encouraged by my husband, every month he would drip feed me the exact amount money for essential bills to keep the house running. I am financially dependant on him 100%.

I had no savings and very little qualifications.

We still have a small mortgage on the house so we’re expecting to get £160k approx from the house. We live in Kent and £160k doesn’t go very far in the current market. My husband doesn’t want anything to do with our children. So I’m looking for a 2-3 bedroom and he only has to worry about No.1 .

I have been told by citizens advice that will be able to get spousal maintenance but haven’t been to mediation yet so I’m not sure how much I’ll get.

I moved to kent from Manchester to be closer to his family so I have no family nearby.

is there anyway I’d be able to get a mortgage? As I am classed as a housewife with no savings/earnings. Yesterday I got a job as a carer, so I will be earning and with the spousal maintenance I will be able to pay the mortgage payments.

I just don’t know what to do, I want to give my girls a good life and I understand that material possessions aren’t everything. But the three of us crammed into one bedroom breaks my heart.

You need good quality legal advice he may tell you what he thinks you should get, but is probably in for a nasty shock as to the reality. I assume he has a pension you are entitled to a share of that too.

Move to Manchester?

See a solicitor.

Legal advice from a solicitor today OP. And .

Congratulations on your job as well. Being able to be financially independent and free from this idiot is going to be hard going but worth it in the long run (speaking from experience on that one).

This is my first time posting on here and I’m really surprised with how much response I’m getting. Thank you all

I can’t move to Manchester because my 17 year old is starting university locally in September and I can’t afford to support her living away from home.

He’s getting inheritance and pension which I know I’m intitled to.

I will definitely speak to a solicitor before mediation. It’s just confusing to try to work out what I can expect to get after all of this.

Our current home is work around £400k we have £80k left on the mortgage so once it’s split I’ll be left with £160k if it is split 50:50

I think you will struggle to get a mortgage, I'm sorry. A mix of age and low earnings, with no stable employment history. Speak to a mortgage broker though, you never know. You may be able to get one if the deposit you put down is less than the mortgage, so it's secured. For example if you buy a place worth 150. You put down 80, mortgage seventy, and as such if you fail to make your repayments they are guaranteed to get their money back.

The other thing worth looking at is shared ownership schemes. Where you buy a percentage of the property and pay a small rent for the rest. A friend of mine who is divorcing is in the process of doing this. It makes her rent manageable, she's invested her equity and she's secure.

Are you West North or East Kent? I can suggest solicitors.

We’re in Maidstone, I’m going to Salvation Army next week as they have a domestic abuse group that recommends solicitors so I’m hoping that’ll be helpful.

Just trying to keep our heads up during all of this. I’m excited to finally have a happy home that I can be myself in

Maidstone is tough especially for legal aid. Gill Turner Tucker weren't too bad.

If you can get to Tonbridge, Jenny Munday at Clarke Kiernan is very experienced.