Mortgage and divorce problem

[WorthyHelper]

Hi. I am about to divorce my husband. He usually pays 70% of it and i pay 30% of it proportional to our salaries. He earns 3x the amount I do but has always wanted me to pay 50% of it. Since we separated in April 2025 he hasn't been consistently paying me for all council tax and water bills that are in my name. The mortgage was originally coming out from his bank account and I would transfer my proportion to him but after talking to his solicitor he has taken the direct debit off his account and sent me an email to say I am fully liable for it and if I do not pay the mortgage I will have a poor credit file but the mortgage was in both our names. I cant afford to pay the mortgage on my own and I dont know what to do. Please can a your advise me further as I am stressed and scared. The only reason I wasnt giving the full 30% is because I was deducting the contributions that he didnt make and now he is saying thst I need to be paying 50% of the mortgage and he will put a standing order into my account. The house has been vacant and neither of us live there. I dont know what to do and the mortgage company just told me thst they want the mortgage in full every month. Does anyone have any advice please?

It sounds like the default will be in both your names and affect both of your credit scores. As the mortgage is in big if your names.

You could call the mortgage company and ask for a payment holiday. Explain the situation.

Then tell your stbxh what they’ve said.

Why does no one live there, why haven't you put it up for sale?

Are you paying rent elsewhere?
Do you guys have kids (or even shared pets)?

My husband kicked me out the house. He is abusive. We dont have children or pets. The mortgage company told me they will nkt offer mortgage holidays.

Surely the house is part of the divorce/financial settlement and will need selling asap, if you both default you both will get bad credit ratings. Do you have a Solicitor advising you.

Having a vacant property you’re both liable for the mortgage on is ridiculous. If he’s not living there then you should be. I’d ask your lawyer about that and get back in asap. In the meantime, put the house on the market. The bottom line is that if you between you default on the mortgage, it will damage both your credit ratings (and ability to get future mortgages), so it’s in his interests as much as yours to keep paying it and sell the house as soon as possible to get that liability off your books.