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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

How do I get social housing of named on a mortgage

10 replies

Confusedmama70 · 07/12/2020 12:48

I need help please. My relationship recently broke down due to domestic abuse and violence.
Me and my ex partner are both named on the mortgage. He has left the property and is currently living with his dad temporarily. I have stayed in the property with our two very young children.
He wants to eventually return to the property and take over the mortgage.
At the moment whenever I am applying for social housing and answering the pre set questions for eligibility I am getting refused any access to the register because of my name on the mortgage.
If I was to apply to have my name removed I’m guessing I could then apply to have my name put down for social housing but won’t I then be viewed as giving up my rights to the property etc?
I cannot afford to live in the property so my only option is to move. Universal credit won’t give me any support with the mortgage until I have claimed for at least 9 months and I have only recently applied for UC. I have currently frozen the mortgage for 3 months whilst I try to sort out alternative housing but I am getting nowhere and don’t know what to do! I’m finding it hard to speak to a real person to consider my circumstances because of Coronavirus and really don’t know what avenue to now explore. I doubt I would even be considered by a private landlord as my credit is now terrible (due to two back to back pregnancies and struggling money wise on maternity leave). Please any advicr is appreciated!

OP posts:
Lightsabre · 07/12/2020 12:51

I think, if you can, you'll need to present at your local homelessness unit and discuss your situation with them as it isn't straightforward l.

Misandrylovescompany · 07/12/2020 12:58

Have you spoken to Women’s Aid, OP? You need help and advice on claiming benefits. I would be v reluctant to leave the house unless you have to though. Are you married?

WhereverIGoddamnLike · 07/12/2020 12:59

You should be entitled to some money from the house if it us the marital home and you're not working because you're raising joint children. Do not leave the house until you've got the finances sorted.

parietal · 07/12/2020 13:11

is there any equity in the house? did you put in anything for the deposit? have you contributed to the mortgage?

are you married to your partner?

Confusedmama70 · 07/12/2020 20:21

Thank you for your replies.
We are not married. I did contribute a few thousand towards the house deposit. I also did contribute towards the mortgage and all the bills as part of my maternity pay.. which for a period was 50/50 contribution but there were periods whereby he paid everything as I was on unpaid maternity leave. However, at the time we agreed as we were a family we would always pool our money together and just split anything spare. We only bought the house around 2 years ago.. would anyone advise having it valued? We originally said to sell the house when we split but his family have spoken to him since and he now wants to take over the house himself.. unsure whether he just expects me to remove my name but it’s hard as suffered so much abuse from this person and I do feel I would just happily take my name off for nothing if it means cutting those ties.
I have today applied for a housing needs assessment from the council which originally declined my application. I was able to free type my circumstances so fingers crossed something comes from this.

OP posts:
parietal · 08/12/2020 21:45

get the house valued and work out what % of it you own. your Ex should then pay you that much to buy you out and take your name off the mortgage.

B1rdIsland3289 · 09/12/2020 09:07

Suggest get 3 valuations of the property

If he wants to take over the mortgage alone. He will need to buy you out of your share of the property. This needs to be done via a solicitor. You may receive some money. Or sell & split any profit

Use any money to rent next property

Viviennemary · 10/12/2020 20:34

As far as the housing people are concerned you have a house to live in that you partly own. Don't just sign the house over to him if it's joint ownership especially when you've contributed. The trouble is there might not be a lot of equity in it. I wouldn't leave till you have somewhere suitable to go.

lauzbug · 11/04/2021 14:04

Have you any updates on what you did? I'm exactly in the same position. However, I have a good job but my ex has left me with a lot of debt. So I really can't afford to private rent with my 1 year old.

Screwcorona · 11/04/2021 14:09

It's unlikely that you will get social housing. If you leave specifically to present homeless you'll be classed as making yourself intentionally homeless and don't qualify for the help. If you get bought out you have funds for private rent.
I'd do the second one otherwise you'll just end up in emergency housing (a b&b) if they even accept your case

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