Heads in a bit of a mess. We've decided, after yet another fucking ridiculous row escalated by that prick that we're done. I want to be able to tell him if he's said something twatty and not have him start shouting that it's always about me, I can't take a joke, it's always about "how I feel", he wants me to always assume he's joking or "didn't mean it like that" I.e. he never wants me to tell him hes been a dick or have to have to recognise he's been a cunt, he certainly doesn't like apologising. Ever. I think he's only apologised twice.
We owe about £30k and have 6 years left on the mortgage. House is prob worth about £180k
We have 2 DC, 14 and 12. My poor kids, I feel sick but I just cannot live with that insufferable arrogant miserable prick any more. After 21 years I've finally had enough of his shit.
I have no idea what I need to do. We're not married (thank fuck) I think i can take on the mortgage on my own if I buy him out. The money I'd save on his weird food tastes would be about £150 pm for a start.
Do I just go to a mortgage broker? Would I have to remortgage for the value of the house, put my half back in, and pay off the rest? Would I even get a 20 year mortgage on my own at nearly 44?
Could I ask for 2 valuations? I shelled out thousands about 10 years ago on something that, if I hadn't, would have made it impossible to sell our home ever (like a legal paperwork thing that needed to be done quickly). He scoffed at the time, didn't pay anything towards it, said I was stupid to believe what the Internet told me (the Internet being a fucking GOVERNMENT website aswell as a solicitor) so what I did added value. So I'd like to appeal to his massive arrogant side and remind him that of course, he'd hate to benefit from that wasteful, stupid thing I paid for, so his half will be based on what the original valuation would be (so I'd guess maybe £150k?)
I feel relieved. Gutted for the kids - they heard it all regrettably and both gave me a hug after he went out, although they are both on their games with their pals laughing away while I'm in the bedroom dreaming of how nice my house wil finally look once his horrible shit is out the way.