Implications of remortgaging with ex

[JeezyPeeps]

Hi there

I have a half-share in a house with my ex. I moved out earlier this year, but am currently still paying the mortgage as he has no regular income.

He has asked me to agree to remortgaging the house to the highest amount available, and split the amount between us. He says that he would then take on the mortgage payments so I would be 'better off' and have a cash bonus.

I have no intentions of doing this as I am fully aware that if he defaults then I will be legally responsible for the whole mortgage amount.

Is there anything else I can use as reasons not to do this? He will do his best to be persuasive, and I can imagine he will be very nice to begin with and then turn on me, saying it's all my fault etc etc. (I left because he refuses to work, smokes too much pot and to be honest is as much support as a zimmer frame made of spun sugar - which is obviously ALL my fault..) So if I can get some good solid reasons as to why it is a bad idea, that would help!

Thanks for the reply.

You are right, I know that. I really don't care about what he wants and thinks - I just don't like things getting heated as the only time I speak to him is when I am picking up or dropping of the kids, and he has been known to tell the kids how things are all my fault.

I just want to avoid a horrible confrontation.

You just need to refuse and keep refusing !! If you are paying the mortgage now and he has no regular income, what is the true likelihood of him taking over an even bigger mortgage in the future? Surely its absolutely nil ??? He'll end up with a big lump sum and you'll end up with an even bigger mortgage.

I'm sure its easier said than done, just remember he's your ex, you aren't accountable to him.