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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.

I can’t afford to live…

204 replies

Jimmy1981 · 10/02/2025 06:54

Hi, just wondering if anyone has been In My situation and can help me..
I have recently separated, everything is amicable. I moved out of the family home, my wife and two children stayed in the home.
we have a mortgage on the house they live in.
i now have to pay half the mortgage, I also give my ex-wife money weekly, I also have to pay my rent and all my bills. I have a good job, but I’m now over my limit.
my landlord has put the rent up quite a bit. Rental prices are crazy now. Over £1000 a month for a two bed flat minimum.
my ex-wife won’t sell the house, so I need to pay half the mortgage otherwise the house gets signed over to her and I still owe half the mortgage (crazy rule isn’t it!!).
I can’t get financial help as I earn too much. I can’t get a council house as I own a property. I can’t buy a property as have no savings, and if I did want to buy it would be classed as second home so require 20% deposit.
i earn good money, but am at the point where I cant afford to live, I’m even toying with the idea of living in a van. I can’t see how to get out of my situation.
any help would be appreciated. Thanks

OP posts:
TheFormidableMrsC · 10/02/2025 20:56

To add, I agree you've done your level best to support your family and that is admirable. My husband not only stopped paying the mortgage, he sold shares belonging to the children, emptied our bank accounts, liquidated our business and unemployed himself to avoid maintenance. I was a SAHM with a disabled toddler. It was a nightmare.

It's to your credit you have tried to continue to juggle this but it's not working now is it? No judge would order you to continue down this road. You are both entitled to a quality of life. If you're still reading, please please take the advice and start trying to turn things around.

Jenkib · 11/02/2025 11:54

TheFormidableMrsC · 10/02/2025 20:56

To add, I agree you've done your level best to support your family and that is admirable. My husband not only stopped paying the mortgage, he sold shares belonging to the children, emptied our bank accounts, liquidated our business and unemployed himself to avoid maintenance. I was a SAHM with a disabled toddler. It was a nightmare.

It's to your credit you have tried to continue to juggle this but it's not working now is it? No judge would order you to continue down this road. You are both entitled to a quality of life. If you're still reading, please please take the advice and start trying to turn things around.

Agree with all this.

You sound like a decent guy (like my brother and many more) BUT don't be walked over.

All the best !

Itsrainingloadshere · 12/02/2025 11:28

Jimmy1981 · 10/02/2025 07:30

No, these are things I have found on Google. I’ve looked into it quite a lot to see what happens if I can’t afford to uphold my mortgage payments

Get some proper legal advice as if you are in the UK what you have found out re the house is absolutely not true.
Don’t use google to base important decisions around. Make a concise list of what you need accurate legal info on and go to a solicitor.

livelovelough24 · 12/02/2025 22:32

Not sure why OP got upset. I did not read all of the posts, but I thought that most people were really helpful and did not treat him different because he is a guy. Unfortunately, a lot of us do things on our own to avoid paying for lawyers, but really, that should be the first stop, before you do anything get a legal advice.

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