Forced house sale

[Knittedfrog]

I want to separate from my husband. I'm going to move out. He can't afford the mortgage for various reasons. Can I insist we sell the house?

It will take years if he's obstructive. Is the mortgage in both your names?

Can you afford it on your own? What about if you got a lodger? Could you afford it then?

I can't afford it on my own and I just want out. He left his job and spent all the redundancy money so we are selling stuff to live. My job doesn't start for a couple of weeks and is low paid. Mortgage is in both our names. It's such a bloody mess.

Surely it's best to sell than wait for repossession?

Definitely better to try and sell rather than allow it to be repossessed which will have massive implications on both your credit scores for years! Even if it meant pricing slightly lower that's what I would do.

Even if it sold tomorrow could you afford to pay the mortgage for another couple of months whilst it all goes through?

Has he said he won't sell??

Let your mortgage company know exactly what is going on. They may suggest to you both that you sell.

Yes you can but as said previously, it may take years. The first step is to apply for your Divorce.. You'll probably be eligible for help with the court fee if neither of you are working.

You don't need a Solicitor to apply but I would recommend getting legal advice over the home.

Thank you for your replies. He doesn't really take any notice of me when I say we should sell it.
My daughter (adult) is leaving in a couple of weeks on a long trip so I plan to tell him I'm leaving then.
Hoping to stay with family while I get sorted and start my job but I'm still liable for half the mortgage which is why I want it sold. Otherwise I'll be saddled with debt and arrears while trying to make a life for myself and my daughter when she returns.
It's all such a mess I don't know where to start and feel I can't do anything until I've started earning money.
I know it's all a bit vague and hard to piece together but any advice is truly appreciated.

Have you told him you are leaving @Knittedfrog?

Not told him I want out because we can't afford the mortgage whether I stay or go.
I need to leave but can't afford half the mortgage/bills as well as my own rented place.

So what are you going to do?

I really don't know. I'm desperately unhappy. Have a job but haven't started yet, have no money, can only go to my sisters if she'll have me.
I just can't see a way out or a future for myself anywhere.
I never thought I would end up in such mess with no way out.
I've told him we need to sell the house but he insists he'll get a job and we won't have to. He's been saying that for ages and the money we have left is really not much, maybe a couple of months worth of living.