Campaign about joint mortgages

[WeakWeakWeak]

I've seen a lot of threads or comments from women unable to get out of joint mortgages and who are trapped, esp by men enjoying the control of withholding money.

There is a charity calling for change and launching campaign specifically about mortgages

https://news.sky.com/story/joint-mortgages-being-used-as-weapons-for-domestic-abuse-in-hidden-crime-charity-warns-13212641

This goes both ways. I know men trapped as their ex won’t get a job, won’t love, wk t agree to sell the house, stall at every angle

people need to realise when they take out a mortgage it’s joint and several and no one should be signing up to this without u derstsbdjbg what it means. All the information is available

threre should be a speedier process to give permission for a sale when either party refusing to engage

It definitely needs review. I'm paying the mortgage on my own but ex is still on it and I hate the unnecessary financial tie. I managed to get it moved to interest only via court but before that I was for a long time effectively contributing £0000s to building ex's equity on a repayment mortgage - which really got my back up. We will both get our respective share of equity when it sells as per the court order, mandated by a judge, but in my view once one party stops contributing the paying party should be able to get them removed from the mortgage and take it over fully.

The other thing that needs review is joint bank accounts. My XH refused to close it and again I was stuck with no way to remove myself from it. It's a form of financial control.

Surely you just agree the value of the house at the point of divorce so that he doesn't get a share of equity you pay off? I just agreed a lump sum with ex due at the agreed deadline rather than a %

Hi looking for advice on having a guarantor. Do you have to be related? and can a retired person be a guarantor? They live in a large house and have stocks and shares and liquid capital. I need to get my abusive ex off the joint mortgage and am being subjected to this: https://www.bbc.co.uk/news/articles/cged39yw3y9o

I am about to lose my latest mortgage offer and can't get another one immediately as I'm not in the same job. I can easily cover the mortgage payments each month though as there isn't much mortgage to pay off, c.£100k one 5th of the value, and if I could not cover them I would just sell.

Unfortunately the current situation means he is holding me prisoner in the house and the mortgage - he often doesn't pay child maintenance as well - it is a power and control thing as he has no legal right over the house, I have all the correct court orders etc and Deed of Trust, I own it outright - was abused into this situation in the first place - long complicated story. I have a court order to say he has to cooperate when its time to get his name off - which is now - but he's simply refusing to sign. It will go back to court but by that time my offer will have expired - he has been agitating the process in the family court for a year now - there have already been 6 hearings in the family court for this order, each time he's managed to divert the process, by lying, and putting in false breach claims etc. and by starting up different cases. I've had a total of 18 family court hearings in the last year with this man. The family court system is a complete mess.

I know someone who is willing to be a gurantor, they're related by marriage but not a parent, they are retired and have a large disposible income. They asked me to find out if they could be a gurantor in order to get his name off it. Then when I'm able I will get it back fully on my own merits, and switch providers, in a couple of months. The current provider rejected my application as my salary wasn't high enough at the time. I have approached them regarding the court order and the domestic abuse but they still didn't offer me a mortgage which was really strange as as soon as I got a broker I had the pick of the market. What I'm thinking is perhaps the current provider will accept a gurantor. It's HSBC in case anyone knows. Thanks.