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Buying a house while seperated

7 replies

lovedlots · 31/08/2012 14:42

Hi
I have been seperated for 4 years. The home I shared with my husband has just sold and i am to receive half the equity. I would like to buy a home for myself now. Are there any implications I should be aware of seeing as i am not divorced?
Thanks

OP posts:
Collaborate · 31/08/2012 14:52

Not really. You should see a solicitor though if you want an idea of where you'd stand if you wanted to sort out money issues on divorce.

olgaga · 31/08/2012 15:51

Do you have children?

mumblechum1 · 31/08/2012 15:53

It wouldn't be a bad idea, if divorce proceedings aren't imminent, to get a separation agreement drawn up just to make it clear that he has no claim against your new property.

lovedlots · 01/09/2012 20:08

No children all grown up (even though 20yr old will live with me) but I will look into the seperation agreement. Thanks

OP posts:
olgaga · 01/09/2012 20:26

Have you worked outside the home? How do your earnings compare? Do you have pensions? I would strongly urge you to see a solicitor before you agree or sign anything.

lovedlots · 02/09/2012 18:25

I work and have a small pension. My ex has a larger pension. It will be a protracted divorce if and when i am ready to tackle it (obviously due to differcult ex) that is why i just want to buy a house first.

OP posts:
olgaga · 02/09/2012 21:02

You absolutely have to see a specialist family law solicitor. Not all of the following will be relevant to you but you will find there are some useful links:

Relationship Breakdown and Divorce ? Advice and Links

General

Read everything you can get your hands on. Get familiar with the language of family law and procedure and try to get an understanding of your rights BEFORE you see a solicitor. Get word of mouth recommendations for family lawyers in your area if possible. If you have children at school, ask mums you are friendly with if they know of anyone who can make a recommendation in your area. These days there are few people who don?t know of anyone who has been through a divorce or separation ? there?s a lot of knowledge and support out there!

If there are children involved, their interests will always come first. It is the children?s right to maintain a meaningful relationship with the non-resident parent (NRP) ? not the other way around. Children are not possessions to be ?fairly? divided between separating parents. Parents have no rights, only responsibilities. A divorce will not be granted where children are involved unless there are agreed arrangements for finance, and care of the children (?Statement of Arrangements for Children?). It is obviously quicker and cheaper if this can be agreed but if there is no agreement, the Court will make an Order (?Residence and Contact? regarding children, “Financial Order? or ?Ancillary Relief? in the case of Finance)

Many family lawyers will offer the first half hour consultation free. Make use of this. Don?t just stick with the first lawyer you find ? shop around and find someone you feel comfortable with. You may be in for a long haul, so it helps if you can find a solicitor you?re happy with.

If you can?t find any local recommendations, always see a solicitor who specialises in Family Law. You can search by area here:

www.resolution.org.uk/

You can also find family law solicitors here:

www.lawsociety.org.uk/areasoflaw/view=areasoflawdetails.law?AREAOFLAW=Family%20law&AREAOFLAWID=36

Check your eligibility for Legal Aid here:

legalaidcalculator.justice.gov.uk/calculators/eligiCalc?execution=e1s1

Some family law solicitors publish online feedback from clients ? Google solicitors to see if any recommendations or feedback exists.

Mediation

You will be encouraged to attend mediation. If there has been violence or emotional abuse, discuss this with your solicitor first. Always get legal advice, or at the very least make sure you are aware of your legal rights, before you begin mediation.

www.direct.gov.uk/en/Governmentcitizensandrights/Divorceseparationandrelationshipbreakdown/Endingamarriageorcivilpartnership/Planningadivorce/DG_194401

Married or Living Together?

This is a key question. If you are married, generally speaking you have greater protection when a relationship breaks down.

Legal Issues around marriage/cohabitation and relationship breakdown are explained here:

www.adviceguide.org.uk/england/relationships_e/relationships_living_together_marriage_and_civil_partnership_e/living_together_and_marriage_legal_differences.htm#Ending_a_relationship

static.advicenow.org.uk/files/benefits-and-livingtogether-2010-11-1161.pdf

DirectGov advice on divorce, separation and relationship breakdown:
www.direct.gov.uk/en/Governmentcitizensandrights/Divorceseparationandrelationshipbreakdown/index.htm

Legal Rights are further explained here:

www.rightsofwomen.org.uk/legal.php#children_relationship_breakdown

I found these guides from law firms quite informative and easy to read ? there are others of course:

www.family-lawfirm.co.uk/uploaded/documents/Surviving-Family-Conflict-and-Divorce---2nd-edition.pdf

www.terry.co.uk/hindex.html

Finance

Before you see a family law solicitor, get hold of every single piece of financial information you can, and take copies. Wage slips, P60s, tax returns, employment contracts, pensions and other statements ? savings, current account and mortgages, deeds, rental leases, utility bills, council tax bills, credit statements. Are there joint assets such as a home, pensions, savings, shares?

Handy tax credits calculator:

taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx

Handy 5 Minute benefit check, tax and housing benefit calculators:

www.moneysavingexpert.com/family/

Child Maintenance Calculator:

taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx

Further advice and support

www.maypole.org.uk/

www.womensaid.org.uk/

www.gingerbread.org.uk/

england.shelter.org.uk/get_advice/families_and_relationships
(Re Shelter, if you are not in England follow the link at the top)

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