Removing from mortgage

[DisabledMumOf2]

Hi,

Myself and my husband are seperating and I'm moving out of our home. Unfortunately this means that he can't get a mortgage on his own which makes me stuck on it.
I've suggested he has 6 months to sort out extra money for him to get a mortgage (he's got no problem paying it but they won't remove my name cos his income is short for their multipliers).
After the 6 months his mums estate should be cleared too which means he can more or less pay the mortgage off. However, I'm worried if he doesn't get this sorted in the 6 months its going to make things really difficult for me.

Is there a way, if he hasn't sorted it by then, for me to force my name off it? (He's notoriously bad at sorting thing's out)

Thanks all

No. The mortgagee will not allow your name to be removed until or unless your ex's income is sufficient to meet the liability on his own.

Or the mortgage is paid off or reduced to a level his income can support.

Ok so how do I make him sell it then if he doesn't want to but I do?

If you cannot afford to buy him out and he currently cannot afford to buy you out then a court may order sale of the property - that might take a year to go through various court hearings to a final hearing however. You could start that process just in case anyway.

Or even easier if he has parents in work the lender might substitute them - a kind of parental guarantee.

Also if he is definitely inheriting and his parent has died and the state has enough funds they sometimes make interim payments (but keeping back enough to pay other debts, fees, inheritance tax etc so may be the estaet could be asked for one of those. Or you could refuse to move out until he takes over the mortgage which might act as an incentive on him to get on with it.

Okay that would work. I'll have a talk.