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?

If you didn’t sign anything legal why did you think you were on the Deeds?

So you just transferred him 70k and didn’t ever sign anything at all? You don’t have a single email from the solicitor or anyone relating to the purchase?

He’s directed all emails to himself. I haven’t seen any correspondence.

Hes Spanish, born here.

Do you have messages or texts about the 70k ? It’s intended purpose. Take the warning and gather evidence

I guess if him mum put a huge amount in, she insisted it was in his name, but if you didn't sign anything to the opposite half the house will be yours as marital property. anyway.

It’s not ok though. OP has no control over what he does with the house currently. He could easily sell it tomorrow and she wouldn’t be able to stop it.

she needs to get legal advice asap and look at seeing if she can get a legal charge over the property for at least the £70k deposit she put down if he’s refusing to add her to the title deeds.

OP are you on the mortgage? As if you are, currently you’re on the hook for debt for a house you have no control over.

Register the HR1 notice, it’s dead easy to do. They send a message to you to say they’ve received it and you’re covered from then. Mine is supposed to take about 4 months from my sending it to them to actually being registered online I think but I’m covered already.

The land registry is the official record. "Deeds" are largely archaic these days, it's the official register that counts.
So if you've obtained the official copies and you're not on them, then you aren't a legal owner of the house. That doesn't mean you don't have a good claim in equity or through marriage, but you're not a legal owner.

Definitely see a lawyer and understand your position fully before speaking to him, because if he's nasty enough to say something like that, then he's definitely nasty enough to try to screw you over if you leave. So speak to a property lawyer and a divorce lawyer first to understand your rights fully before bringing it up with him.

I know you said you were in the thick of it with twins, but how could you think you'd jointly bought a house when you never saw any documents and didn't sign a single thing.

Not true at all

Are you on the mortgage?

I don’t think being married automatically means you get 50% of the house. I a, sole owner of the house. I am leaving it to my two children, who aren’t allowed to throw my husband out onto the street if I die, but my husband has no financial claim on it. If we divorced I guess he might do.

Sounds like he and his mum have cooked this up together to protect his and her interests in the event of a separation, to prevent you and your children having any claim to the house or chance to continue living there. What a shitty move. Have personal experience of this kind of thing. You need to see a solicitor fast to explain your situation.

You are entitled to half in case of divorce. However, meanwhile as only his name is on the deeds (don't fool yourself it is diferent) I am afraid he is able to sell it or do what he pleases with it without your signature needed. Also the fact that he shouted at you about this during an argument means he is an asshole who will use it against you. If I were you I would save some money for a solicitor's advice pronto.

do you have the bank statement from 5 years ago when you sent the £70k at the same time as the house was purchased? do your payments for the mortgage go straight to the bank or to your h?

You are married so generally speaking my understanding is that regardless it is considered a marital asset. However, I would still be seeking legal advice including a full copy of deeds to confirm the situation as well and to plan as to next steps depending on what you want to happen and where you stand currently.

Can you give more detail what were you arguing about when he shouted at you, you are not on the deeds?

Please register the home rights notice. Everything else can follow that. All you are doing with the notice is registering a fact. That you are married and its the matrimonial home.

This may be a cultural thing. I am married into a culturally and geographically related country and also have Italian friends and ALL the property is in the male names.
May not be and your DH may be an arse, but I would encourage a conversation in case it is...and register an HR1

Registering land or property with HM Land Registry: Change the registered owner name - GOV.UK

Get that fixed ASAP. It caused me major problems in my divorce despite having home rights registered. They are very easily removed by a judge who believes that the house belongs solely to him.
Whether that’s true or not

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.

I'm willing to bet he will have passed the £70k to his mum, who will have signed to say £570k was a gift from her. Also those letters are more an issue where there's a mortgage on a property as the bank was to know there's no other lender ahead of them. There will have been money laundering checks on the source of funds.

Do you have proof of the £70,000 input?
I realise everybody is talking about the home rights registration but honestly they count for shit in a divorce.