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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:
CarrierbagsAndPJs · 27/02/2026 20:51

meepmeeprr2025 · 27/02/2026 20:43

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 and speak to a solicitor before discussing it further with your dh.

Just because you didnt sign anything doesn't mean something wasnt signed in your name. Time to be smart.

mindutopia · 27/02/2026 20:51

So have I got this right? You put in £70k deposit, then his mum remortgaged her house and gave you cash from the equity and you then took out a further mortgage for the house you live in, but you are also re-paying his mum’s mortgage too? Are you on the mortgage? It seems very dodgy that the solicitor would have allowed you to take out a mortgage but then not questioned why you weren’t on the deeds. Our solicitor had to confirm with both Dh and I that we were happy with everything and that we wanted to be joint tenants. Did you not sign all the paperwork?

euff · 27/02/2026 20:52

How much was the house that your mil has supposedly lent you 500k towards it on top of your 70k and 70k from your partner. I would be wanting to confirm all these figures for myself. bank statements, mortgage agreements and statements, to confirm the value of the home, the mortgage amount and payments that your partner had 70k of his own and paid that towards the mortgage. How do you know you re paying a fair contribution one way or the other? I wouldn’t be letting any of this go, he’s lied to you more than once.

euff · 27/02/2026 20:53

Im with others saying to talk to a solicitor, lay it all out and get their advice.

Lifeisabeach1 · 27/02/2026 20:53

Is the house in his sole name or his mothers name also on the deeds?

Hotchocolate4 · 27/02/2026 20:54

Friend is going through a divorce, she’s own the house out right and it was before marriage. Basically as they have been married over 10 years he can try to get 50% of everything. Below 5 years it’s easier to separate finances and keep what’s yours. 5-10 years is more of a grey area.

You will have proof of the 17k being wired, and once you have been married over 10 years it doesn’t matter if your name is on the deeds or not.

For peace of mind I would personally prefer my name is added if it’s easy / cheap enough

Easterbunnygettingawrapping · 27/02/2026 20:55

Could his dm have pressured him into being sole owner? Maybe he agreed to it to ensure you got your home. . No excuses not to come clean now you have specifically asked though...

99bottlesofkombucha · 27/02/2026 20:55

I’d tell him to put you on the deeds and stop lying to you, find evidence of the 70k and consult a lawyer.
this sneaky snake will be kicking himself he let it out, that’s going to be his main emotion. You had given birth to his twins and his priority was using your distraction to cheat you, what a loathsome disgusting slime ball. Protect yourself

rwalker · 27/02/2026 20:57

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.

Don’t stress it’s 1/2 yours names on deeds
are trumped by marriage

ReyRey12 · 27/02/2026 20:57

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

Seems like it is actively on his mind that it is only his house.

MumOryLane · 27/02/2026 20:59

What a nasty, conniving, low down, dirty dog of a man. He has kept a secret trump card in his back pocket for YEARS so he can rob you when it suits.

Plan to get out with as much as you can and with your dignity intact as he clearly doesn't see you as a forever bet.

glossy4 · 27/02/2026 21:03

If he’s this sly I would be wondering if I’m actually married or if he’s pulled something funny there too.

Hollyhobbi · 27/02/2026 21:03

Is there actually no mortgage on the house at all? And the mother gave €500,000 towards it and it’s your mil you’re paying back money to every month?

goldenplacemat · 27/02/2026 21:07

This happened to me. When we divorced I had filled in an HR1 form to show I had an interest in the property so my ex couldn’t sell it from under my feet. This saved my assets, he was going to leave me homeless with no money. A judge stopped him. If it’s owned it’s marital property but there is nothing currently stopping him from selling your home and spending the assets including your £70k and interest/appreciation. You must fill in the HR1 asap and then get him to put you on the deeds properly. Don’t do it without the HR1 as he could take your home. If he doesn’t play ball you know he’s not trustworthy and you should protect yourself further.

OhDear111 · 27/02/2026 21:10

in a divorce, all assets are on the table. The huge issue here is effectively two loans on the property. When we gave DD money (gave, not loaned) she had to declare she wasn’t paying us and we declared the money was a gift. If this if r done, it’s being untruthful with the mortgage company. They will lend far less. So it looks like the mortgage is based on a lie.

Definitely see a family law solicitor who specialises in divorce. They will explain the best way to proceed.

Mosman2020 · 27/02/2026 21:15

goldenplacemat · 27/02/2026 21:07

This happened to me. When we divorced I had filled in an HR1 form to show I had an interest in the property so my ex couldn’t sell it from under my feet. This saved my assets, he was going to leave me homeless with no money. A judge stopped him. If it’s owned it’s marital property but there is nothing currently stopping him from selling your home and spending the assets including your £70k and interest/appreciation. You must fill in the HR1 asap and then get him to put you on the deeds properly. Don’t do it without the HR1 as he could take your home. If he doesn’t play ball you know he’s not trustworthy and you should protect yourself further.

They can do it anyway if him and his mother go to court and demonstrate that they’ve put down all of that money and there’s no documentation to prove her 70,000. It won’t be a 50-50 split. I know I’m very much going against the grain here but she needs to be on the deed. This will not protect her. I have real life lived experience of this.

ShodAndShadySenators · 27/02/2026 21:16

mindutopia · 27/02/2026 20:51

So have I got this right? You put in £70k deposit, then his mum remortgaged her house and gave you cash from the equity and you then took out a further mortgage for the house you live in, but you are also re-paying his mum’s mortgage too? Are you on the mortgage? It seems very dodgy that the solicitor would have allowed you to take out a mortgage but then not questioned why you weren’t on the deeds. Our solicitor had to confirm with both Dh and I that we were happy with everything and that we wanted to be joint tenants. Did you not sign all the paperwork?

Absolutely this, if there was a mortgage to buy the house then the mortgage company either have no idea that you are living in it, or your husband has forged your signature on paperwork - because the mortgage company would not accept an adult living there who hasn't signed to say that they will vacate the property should your husband default on the mortgage payments and they try to repossess. Mortgage lenders are rightly very tight on having everything signed and above board. Have you seen mortgage payments going out, or do they go from an account your husband has solely in his name? You should probably contact the solicitors who did the legal work for the house purchase, if you remember who they were.

PrizedPickledPopcorn · 27/02/2026 21:17

Are you and the house in the uk?

Just checking!

Sassylovesbooks · 27/02/2026 21:18

Can you prove you transferred £70K to your husband? You've seen no correspondence or documents regarding the house purchase and haven't signed any documents. To buy a property you have to sign paperwork, this in itself tells you that you aren't the legal owner of the property. Your husband couldn't have added you, without you signing paperwork. Are you on the mortgage? If so, you are currently legally responsible to pay towards a house, you may have no legal claim over.

Your husband deliberately, along with his Mother has kept your name off the deeds, probably believing that if you separated, you'd have no claim over the house.

You need to seek legal advice, before you discuss any further with your husband. In theory you're married and a house, regardless who owns it, is usually treated as a martial asset. You need to find out where you stand if you were to divorce.

saraclara · 27/02/2026 21:18

You need to move this to the legal board or remake your OP over there. On that board there are qualified people to give you accurate advice @KindOpalBear . Some people are posting stuff here that isn't accurate or is absolutely wrong.

Holidayshopping · 27/02/2026 21:20

Why didn’t you just get a smaller mortgage yourselves? Did you need to buy a £640k property?

saraclara · 27/02/2026 21:21

Meanwhile I'd keep VERY quiet about this at home, so they think you've lost interest. Because I think they could very easily end quickly make transfers that would disadvantage you, if they suspect they're going to be found out.
You need your legal ducks in a row, but you may not have much time.

TheZanyPinkSquid · 27/02/2026 21:22

Thankfully the law protects you against assholes like him. Divorce the piece of shit and get your 50%

WhiteRoseHurt · 27/02/2026 21:23

SuzyFandango · 27/02/2026 20:49

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.

You simply can’t do that. The conveyancer has to prove the source of funds with bank statements explaining any large sums.

There’s something wrong with this post. OP couldn’t have contributed 70k and not signed anything or proved her ID.

Adelle79360 · 27/02/2026 21:26

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.

OP has said it’s just the husband’s name.