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Original poster

Found out I’m not on a house deeds..

324 replies

KindOpalBear · 27/02/2026 20:04

When we bought the house, our twins were just 4 weeks old and I wasn’t well enough to look into paperwork. I’ve put in £70k my life savings, my partner same £70k and his mother helped us and borrowed us £500k (she basically remortgaged her house to help us). We are paying her loan and our mortgage every month and have been for the last 5 years we’ve been here. Today during an argument my husband shouted that I’m not on the deeds of the house. That shocked me. I’ve paid for title registry on gov.uk and it says the registered owner is him alone, no mention of me. He says that I’m definitely on the deeds but he would need to ask the lawyer to send him documents proving that which will cost £200. Am I being fooled? My heart sunk and I’m just In shock. I feel like him and his mum did this together. Is anyone here who knows legal stuff and can confirm it title registry shows just one person that means I’m not on the deeds?

OP posts:
Recalled50000 · 27/02/2026 20:05

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Shouldgivethisup · 27/02/2026 20:06

You are married; you are allowed to register your interest (technical term!) on the Registry. A quick google will help and I’m sure someone with better facts than I have will be along in 2 ticks. Good luck lovely, see if you still have any details of the money you put in. Always helpful xx

Original poster
KindOpalBear · 27/02/2026 20:06

Wow. That hurts. Ive known him for 19 years and our twins are 5. We’ve built a life together and to find out I am not the equal owner of our house. I’m devastated.

OP posts:
Shouldgivethisup · 27/02/2026 20:07

You being married means you own 50% each no worries xxx

Original poster
KindOpalBear · 27/02/2026 20:08

Shouldgivethisup · 27/02/2026 20:07

You being married means you own 50% each no worries xxx

Are you sure, even if he (sneakily) didn’t put me as a shared owner?

OP posts:
rubyslippers · 27/02/2026 20:08

Why would he do this?
The house is a matrimonial asset tho
I would be taking legal advice tho and questioning him
also why on earth would his mum remortgage ? Could you not get enough to borrow otherwise
the whole thing stinks - sorry :-(

Shouldgivethisup · 27/02/2026 20:08

It’s sad to find out your husband is a selfish dim twat, so sorry lovely x

MaggieMar · 27/02/2026 20:08

You’re married for a reasonably long time? Im fairly sure it doesn’t matter as the house is a marital asset regardless who “owns” it

Original poster
KindOpalBear · 27/02/2026 20:09

MaggieMar · 27/02/2026 20:08

You’re married for a reasonably long time? Im fairly sure it doesn’t matter as the house is a marital asset regardless who “owns” it

We’ve known each other since 2007 and married since 2017.

OP posts:
TheBlueKoala · 27/02/2026 20:10

Married with kids: half is yours.

goz · 27/02/2026 20:10

Let me guess this isn’t the only situation your DH has been an arsehole to you!

Tell him it doesn’t matter, you’re married and therefore when you divorce him you will be taking half.

This is incredibly nasty, think about why a man would tell you that you weren’t on the deeds to your own house that you paid towards and raise your children in. Whether or not it is true, if it isn’t it’s almost worse. It’s vindictive and controlling and he wants you to know he thinks he’s better than you.

WhoamItoday11 · 27/02/2026 20:10

You call him your partner then your husband. Which is it? That will make a difference. Tell him he needs to put you on the deeds immediately. In the meantime, engage your own lawyer (not his) to ask about your rights in this situation. Protect yourself. This man does not have your best interest heart!

Eskarina1 · 27/02/2026 20:10

I'd register your interest as above so he can't borrow against it / gift it / leave it to someone else if he dies.

I'm so sorry, this cannot be accidental. You cannot trust him

TeenLifeMum · 27/02/2026 20:10

You’re married so it’s okay but I’d want my dh to resolve it and add my name to demonstrate he sees me as an equal. I couldn’t respect him if he didn’t.

Shouldgivethisup · 27/02/2026 20:11

Yes the “matrimonial asset” means 50 / 50 especially as I am assuming you are helping with both repayments? Keep your bank statements; you can get 6 years worth off your bank (will be paper copies arrgh) off your bank via data protection laws if you have any missing xx

simpledeer · 27/02/2026 20:11

Are you married? You refer to “my partner” and to “my husband”. Hopefully it’s the latter 😬

lady725516 · 27/02/2026 20:11

Im sorry this has happened to you. What an arsehole.
do you normally have a good relationship?
the deeds need to be changed. Ensure this is sorted at your husbands expense as this is his cock up!

Soontobe60 · 27/02/2026 20:12

When you bought the house using some money from your mother she would have had to sign relevant paperwork to prove she was gifting you the money. Both you and your husband would have had to prove identity with the conveyancer. If your name hadn’t been included as a joint purchaser, you too would have had to sign a letter to say your £70k contribution was a gift. He would not have been able to buy the house himself without these 2 documents. They would have had to have been sorted well before the purchase completed. Something doesn't add up.

Original poster
KindOpalBear · 27/02/2026 20:14

TeenLifeMum · 27/02/2026 20:10

You’re married so it’s okay but I’d want my dh to resolve it and add my name to demonstrate he sees me as an equal. I couldn’t respect him if he didn’t.

We’ve been married since 2017. That’s what I’m planning on doing, I’m going to ask him to put me on as equal owner. If he doesn’t, then I can’t see myself staying with him although we have 5 year old twins. My heart just broke.

OP posts:
Eng · 27/02/2026 20:16

Even though you can't see yourself staying, don't rush your way out if possible, time to play him at his own game, register your interest, ensure you have equal access to savings etc. In short, get your ducks in a row.

Even if he does play innocent and get you added to the deeds now, don't be placated. Make sure you protect yourself.

Original poster
KindOpalBear · 27/02/2026 20:16

Soontobe60 · 27/02/2026 20:12

When you bought the house using some money from your mother she would have had to sign relevant paperwork to prove she was gifting you the money. Both you and your husband would have had to prove identity with the conveyancer. If your name hadn’t been included as a joint purchaser, you too would have had to sign a letter to say your £70k contribution was a gift. He would not have been able to buy the house himself without these 2 documents. They would have had to have been sorted well before the purchase completed. Something doesn't add up.

I will be honest, the whole thing was between him And his mum, I haven’t seen any documents and I haven’t signed anything. This was happening when I was pregnant and not well. We’ve moved in when kids were just couple of weeks.

OP posts:
namechangedforthisquestion1 · 27/02/2026 20:17

You need to register for home rights as above (HR1 form) then if he tries to transfer it you will be notified. Do this ASAP you don’t want to be in a situation where you are paying sols fees to find assets in a divorce

https://www.gov.uk/government/publications/notice-of-home-rights-registration-hr1

Notice of home rights: registration (HR1)

Application form HR1 for registration of a notice of home rights.

https://www.gov.uk/government/publications/notice-of-home-rights-registration-hr1

Mummy2mybear · 27/02/2026 20:19

He shouted it out in a argument, what a horrible man. I bet he was using it to try and hurt you as much as possible using it as some control power tactic over you.. Absolutely vile.

OlderGlaswegianLivingInDevon · 27/02/2026 20:20

I'd be checking his mother is not on the house deeds ! as she seems to be very involved.

CurlyhairedAssassin · 27/02/2026 20:20

Today during an argument my husband shouted that I’m not on the deeds of the house.

He says that I'm definitely on the deeds.

You have contradicted yourself. I don't understand what happened. Are you saying in the heat of an argument he said you weren't on the deeds then later backtracked and said that you were?

Re when you bought the house, you say you "weren't well enough to look into paperwork"? You must know that when you buy a house there are documents to sign? There must have been multiple solicitors' letters that came to the house, mortgage statements etc, showing the names of the person who is on the account? I find it really hard to believe that you have absolutely not noticed anything amiss all these years in terms of paperwork, forget about what happened when your twins were only a few weeks old. What has happened SINCE?