Found out I’m not on a house deeds..

[KindOpalBear]

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?

Babes this is getting worse and worse!! It’s financial abuse. Check your credit report for accounts opened that you aren’t aware of

Please get your own legal advice as soon as possible. Independent from your husband and try to keep your emotions out of it if you find out in what other ways your husband has been decitful (I’m guessing this isn’t the only thing)!

When my mum lent my brother money to buy his house they had to sign documents to say there was like a “charge” meaning if the house was sold they would have to be repaid. I’m concerned for you that you’ve given £70k but never done the same or signed any paperwork at all for a house you have “brought”

If the Land Registry says you are not on the deeds, you are not on the deeds- also he actually told you you are not. You need to talk to a solicitor straight away, tell him the £200 is no problem you are happy to pay it.
You are definitely being hoodwinked you have £570K in the property and nothing to show for it- he took advantage of you being vulnerable to register in his name alone despite you having so much in the property, it is very likely he is not a good guy, sorry.

Do you acyhave a mortgage or could he have possibly taken a loan to cover the remaining balance of the house? £640k deposit and factoring in the payments back to his mum would have been a factor in what you could afford mortgage wish.

personally I don’t think you have a mortgage

More than that if there’s a mortgage and she’s on it! Means she’s reasonable for the payments

When you ask him for any of the paperwork, audio record him because I can promise you he’s not going to give you any! I assuming you don’t know your customer numbers or reference numbers for mortgage etc either.

Protect yourself as a mother as well because him and his mum will chuck up anything to discredit you as a mum if this becomes a legal case

If her name is on the mortgage he can not remortgage including her name or sell without her permission BUT if there’s actually no mortgage then he can do what he wants

Exactly! She’s put money in, but the bulk has been provided by his mother. She’s been deceived by omission. Fancy only telling her years later.

I doubt he had any intention of telling her ever!

Something similar happened to my mum with my stepdad. From that moment on I vowed to never live a life I I wouldn’t be able to if I was on my own!

NEVER lend or borrow large amounts of money from family or friends either.

stay within your financial lane!

Is he though? His mom remortgage her own home, for 500k to buy the house. I'd be careful too!

Did she though?

is there a legal document regarding the repayment?

this payment would have had to be declared to mortgage for affordability

I'm worried by how in the dark op is about the finances!

If your marriage is truly strong your husband should support you in getting legal advice to sort this out. You need to get the deeds. If husband doesn't have them apply to HM Land Registry. Citizens Advice could help you find your way through this issue. Don't rely on Mumsnet for good advice.

That is not a strong marriage sorry

Or what it could all mean for her! Has he broken T&C is mortgage? If he has that will affect home insurance. Has he opened other accounts in her name which she doesn’t know about?

if he’s been lying/not following T&C on mortgage it’s fraud, she will also be liable.

This man was more than happy that, god forbid anything happened to him, not only his wife but his CHILDREN could be made homeless!

it really is no joke

Is his mum on the deeds?

Didn’t say but that’s why I asked about legal contract for paying back this £500k to her.

is he paying it back to her? Could this money actually to being classed as a gift/inheritance in the eyes of mortgage?

ejy would you remortgage your home for such a large sum at what i presume is an older age, not a 25 year mortgage on the remortgage if tha makes sense

I think this ‘loan’ is more a way to avoid inheritance tax personally

2020/2021 was one of the lowest interest rate period due to Covid. This is screaming more than just deeds!

Sorry just had a skim through and she said it’s him and him alone according to land registry BUT he telling her she is and that it’ll cost £200 to get a copy from his solicitor 🤣🤣

You are married. The courts recognise this and if you part ways, as you have children, you are in a stronger position than someone unmarried. Pensions are even considered. Seek some legal advice for your own piece of mind.

Exactly this! Don't delay - seek advice.

If no one cares and nothing would be done then all the more reason for KindOpalBear not to move after the house was sold.
But someone would care. The house buyer I don’t think would be too happy to turn up to the house with a van with all their worldly goods to find KindOpalBear and her children having breakfast with no intention of moving and nothing anyone can do to move her out.

It is not about a solicitor not being told something. It is a standard question and if her dh lied he would be in for having to pay for the buyers housing costs and furniture costs until it is resolved.

Ultimately KindOpalBear would be considered as an undeclared sitting tenant and the new owners would have to sue her dh and his solicitor for selling them a house someone lives in.

Yes it makes no difference. If you are married you have a right to 50% of the house

Thank goodness you are married as you own 50/50.

However that does not excuse this enormous breech of trust. How can you trust him again?

Im sure other unmarried women have been duped in the same way but don’t have the protection that you fortunately have.