Jury needed, advice welcome, and anything else.

[Evilwater]

Hi all,
I've left my ex who was EA and finaically controlling, the paper work for my 'share' of the house has come through, I'm now living in private rented place. When we got the house we took out a contract and ex said to me I'd get 30% it turns out, that it's only 27%.

Anyway my 'share' is around 18k.
I'm a part time working single mum, with child tax credit, working tax credit, and on housing benefit. So my circumstances for a mortgage isn't great. So what do I do?

Keep it for school holidays, paying for uni
Try and get a mortgage?
Stay where I am?
Try and get social housing?

Ex made all the big money choices, and I have no idea what to do.

Evil water, did you look at the government owned banks - RBS, Cheltenham/Gloucs(Lloyd's), First Direct etc? Just because I got my mortgage when I was a student earning £3,000 from my p/t job, before that, down south I was able to borrow £117,000 on a £12k salary as they have to take tax credits, child benefit and CAs/court ordered maintenance into account. You have a good deposit so a mortgage do read out fir the longest term may be feasible.

Sorry, on iPad! A mortgage taken out for the longest term...

No I havnt, but it needed to hear that I can get a mortgage so my son and I can have a home that is ours.

I've told the lawyer to the letter to get my money. Fingers crossed.

pinot, how long a go was this? two years a go we really struggled with an 18k deposit (20%) mainly due to bad credit but a mortgage 9 x your salary seems bad lending. on their part, not yours

They took tax credits, child benefit and court ordered maintenance (he was paying about £800 per month then - soon stopped!!) into account and I extended the mortgage term - there was equity in the house too and that was in 2009. In 2011 I took on a £30K mortgage based on a salary of just over £3k as I was a student, but I had the equity from the previous sale (around £90k). But my friend has just got a mortgage based on more than her salary alone with one of the above banks due to csa maintenance and government 'benefits' - the difference between these banks and others is that they take child benefit etc into account. I was only a student for a year and studying for a for a specific career - just needed to change an English qualification into a Scottish one! In the first case, mortgage was cheaper than rent. I was with Cheltenham and Gloucester and now RBS. I had no issues with my credit rating and a permanent part time job in both cases.

We have just DP on mortgage as apparently two with bad credit rating was too much for all mort. Companies. I think the financial advisor just didn't want me on there as she also said can't know about me as pregnant dependant doesn't look good.

Anyway, he had full time job. 20k ish at time, my wage was similar. No cb or tax credits at time.

Our rent was 200 more than mortgage and even still we were questioned beyond belief

Glad it's all over now.

Doesn't sound like you are getting a lot from him to look after your joint son!

Don't have any advice about that - but as a separate issue - you said in one of your earlier posts that he had bullied you into changing your will so that everything was left to him and not your ds... Have you changed it yet so that you now leave everything to your ds if you are no longer together - you don't want to forget this, on the (hopefully very small!) chance that you are run over by a bus or bumped off by ex and discover that your ex gets everything, whilst your ds gets nothing.

I am pretty sure that he didn't change his will to leave you all his assets and his son nothing did he? And do you reckon he is currently leaving his son anything in his will? (I know that technically you can't force him to leave it to his dc but just out of nosiness interest)

If you had a solicitor for your divorce then I'm sure they would be able to do a will for you - and make sure that anything you do leave to your ds goes into a trust (? or whatever the solicitors advise) that is managed by people you trust rather than not specifying and again discovering that the ex will be responsible for it and thus just use it all for himself.

zipzap I did not change my will but, added a note saying I would not like ex to look after DS full time, and I gave my reasons.

Thanks for all your help. I'm waiting on the lawyers, at the moment for my money.
Will update when there is news.