Need to get onto deeds of house

[EmpressMatilda]

DH and I have been married 3 years. 'We' bought the house we're currently in in March. The mortgage was taken out in his name only as I am not working (SAHM) and we were advised that would mean a less favourable mortgage deal. So... his name on the mortgage and subsequently only his name on the deeds (even though it's as much a home for me and our 2 kids as it is for him). I have some money which I inherited and we are going to use it to do vital extension and decorating work on the house. BUT should I part with the money if I am not named as owner of the house and secondly, how can I get named on the deeds? We have asked but the mortgage adviser said it would mean renegotiating the terms of the mortgage. Is that true because it sounds a bit weird to me?

The mortgage company will need to be involved. Currently he owes them money and they can reposses and sell the home if he doesn't pay. If you go on the deeds, then you need to agree that they can sell if the mortgage is unpaid.
If this is higher risk for them, then the deal may well be worse.

As you are married you are entitled to a share of the house if you separate regardless of whether or not you are named on the deeds.