Separating and moving back to UK

[Zarag]

I've lived in Ireland for 15 years but planning to move back in July '21.
I'm not sure what my 18yr old daughter will be doing by then but I'll be bringing my son who will be 16.
I've so much to think about and plan but I'm wondering how I would go about applying for a mortgage with a low income (planning to work part time) and a 16 year old child.
At the moment, both my name and my husbands name are on the mortgage but he wants to stay in the house until the mortgage is paid off in approx 11 years. He has offered to buy be out in two years time. Meanwhile I'm also living in the house and we aren't talking unless we need to. Our mortgage defaulted a few years ago during the recession, I know that won't help my situation. Can't bear the thought of renting forever.
Anyone in a similar position? Any advice would be greatly appreciated.

If you're worried about money why would you plan to work just part time?

I'd be working as many hours per week necessary to be able to live up to 80 hours

I plan to work the hours my son attends college, I want to be there for him. That's for another forum.

Working part time wont be entertained by any bank. Have you considered small property or apartment. If you have a bad credit history banks wont even consider. Is H going to set you up or are you on your own. I left with my DD's and am finding it difficult but My mum helped. But the banks wont talk look at me until I have full time work. Renting at the moment and finding it difficult to see a way out

Mumof2greatgirls No, Hubby not setting me up, he thought I wanted to leave the family home Asap but my 14yo son is doing well in school, has close friends and I'm not moving him until we come over to England. Looks like I'll be looking for a FT job then. Happy to rent in the meantime, about finding out what I'll be entitled to as a single working parent with regards to benefits. This is all very new to me, H has always handled our finances so I'm starting out on my own from scratch learning as I go!

Lots of things changing with Brexit. Best to get advice. Are you and your DS british. You may be entitled to universal credit (See [email protected])
But if you have funds from sale of house it might be difficult to get benefits. CB is available until DS is 18. You could contact local housing authority re accommodation but you wont be prioritized unless coming from domestic abuse. I take it marriage is over so why stay. I understand about DS and school but no guarantee what future holds with Brexit. Get professional advice