Removing partner from mortgage

[CharlieBubbles88]

Last year I found out my partner had gambled away our joint savings and was in around another £15k worth of debt. Although he has stopped gambling his behaviour towards me has been appalling and as a result I no longer wish to live with him

Due to his debt there is no way he can afford the monthly running of our home. I have looked at my finances and can do so fairly comfortably. I also paid the deposit on the property and have a declaration of trust to this effect. As it stands he has agreed to add 4K to this for the money he took however I have no guarantee he will now things have gone sour

Although I can afford the bills my current mortgage provider is only able to lend me £159K on a £217K mortgage. Does anyone know of other options or lenders who will be willing to lend more? I really don’t want to lose the house after all of this.

Despite everything he has done he is now being petty and saying he wants half of the value for any work done on the house which was jointly paid. Surely if this has added value to the property it would show when getting the property valued? Would I be better off if the property had gained value or would this make it harder to get the mortgage as they would need to lend more?

Also in such situations what would happen to goods such a furniture bought jointly? Would this just need to be decided by ourselves?

Sorry for the stupid questions, I was hoping for a bit of friendly advice before contacting solicitors etc. I have no one in real life who has been in a similar situation to speak to

Thank you

Are you married? If so, this should all be part of the divorce settlement. Horrible situation, hope you're ok.

Thank you for replying. We aren't married but do have a joint mortgage with the deposit in my name.

It is a very difficult situation as I still love him very much however when anything good happens he finds a way to ruin it and is on self destruct

Unfortunately you can’t “take him off the mortgage”, unless you have the affordability to take out a new mortgage in your own name.

Although it does seem like you need quite a bit more in funds, it might be worth speaking to a mortgage advisor.

You can take on the current mortgage and him fill in an equity release form. You need to prove it's affordable though. I'm doing it to get stbex off mine

Is it joint or tenants in common?

You could find a broker who could check to see if another lender would offer a higher affordability but with those figures it may be unlikely- plus if you’re on a fixed rate there would be an early repayment charge to consider.

Do you have a parent or trusted person who could take over the mortgage with you?

• if not. Then I would consider selling the house and downsizing (depending on your circumstances). Looking at shared ownership or help to buy if you need to so you can cut financial ties with his ASAP.