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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:
Griselinia · 27/02/2026 21:27

OP I'd suggest checking to see how much houses in your area go for, in case there's a mismatch with the info you've been given by your dh

MO0N · 27/02/2026 21:27

OP, I would let the subject drop while you gather evidence, paperwork, get legal advice etc. If he suspects that you are going to push back he may well get busy trying to make sure that you cant.

BurntBroccoli · 27/02/2026 21:27

You can order a copy of the title register from the Land Registry for £7.00. If you want the plan it’s another £7.00.

All online. Make sure you use the proper .GOV site.

Adelle79360 · 27/02/2026 21:28

rwalker · 27/02/2026 20:57

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

Show quote history

That’s if they divorce, which at the current time they’re not. If the DH dies tomorrow and he’s left the house in his will to somebody else, OP is screwed.

Nodlikeyouwerelistening · 27/02/2026 21:31
  1. HR1, you must not wait for this!!
  2. ask him to add you to the deeds as a 50/50 owner and make sure this happens, don’t trust his no-good word
  3. set yourself up for alerts when someone makes a change to the title
  4. If he refuses to have you added then seek legal advice. Everyone is right that it is a marital asset so it’s half yours anyway (unless he dies first and leaves the house to someone else…), but the fact you gave him £70k and have been contributing to his loan repayment under the false belief you were jointly liable then this to me sounds financial abuse, which is a recognised CRIMINAL offense
  5. even if he does have you added, seriously consider divorcing him and even reporting him to the police for the financial abuse
FlynnD93 · 27/02/2026 21:32

KindOpalBear · 27/02/2026 20:27

Hes Spanish, born here.

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He’s not Spanish then he’s English if he was born in the UK, regardless of his parents heritage, not that it matters I was just pointing it out :-)
hope you get things sorted

Nottodaythankyou123 · 27/02/2026 21:35

KindOpalBear · 27/02/2026 20:16

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.

Edited
Show quote history

He would have needed to show where your £70k had come from, that would mean his solicitor ID’ing you and obtaining source of funds for your £70k. I’d be making enquiries of the solicitors, although they may have destroyed the file now, and then looking for a divorce solicitor.

Labragoogle · 27/02/2026 21:35

OP you’ve had some good advice but can you clarify - he said you weren’t on the deeds in an argument - then retracted it & said that you were??
What a piece of work. I’d be getting ducks in a row. He’s actively been deceiving you & using these power moves to manipulate you. No wonder you’re heart broken. Serious breach of trust.

stichguru · 27/02/2026 21:37

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?

I absolutely see why you were shocked that your partner shouted this at you in an argument.

However you can't really be shocked to find out you aren't on the deeds to the house! I mean getting a house in your name, even jointly, is quite a particular process involving witnessed ID and stuff, you either went through that, or you know you didn't!

crazeekat · 27/02/2026 21:41

Ur husband is one shady fk. This is deliberate I’m sorry to say. No one just forgets to put their wife or partner who has handed over £70k on the house deeds. He is stitching you up. Also what kind of man lets his mother remortgage half a million pounds on her home?? I would be getting your own private legal advice and if he refuses to put u directly onto the deeds no
matter the cost sorry this huge breach of trust is heading to divorce courts.

SereneOtter · 27/02/2026 21:42

KindOpalBear · 27/02/2026 20:16

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.

Edited
Show quote history

How can you think you were an equal purchaser of the house and on the house deeds if you didn't actually sign anything? You need to sign pages and pages of documents to purchase a house.

Luckily for you you are married so the house would be classed as 50/50 in the event of a divorce as it would be a matrimonial asset.

You have been spectacularly naive here though to think you can buy a house without actually signing a single document.

crazeekat · 27/02/2026 21:43

Nodlikeyouwerelistening · 27/02/2026 21:31

  1. HR1, you must not wait for this!!
  2. ask him to add you to the deeds as a 50/50 owner and make sure this happens, don’t trust his no-good word
  3. set yourself up for alerts when someone makes a change to the title
  4. If he refuses to have you added then seek legal advice. Everyone is right that it is a marital asset so it’s half yours anyway (unless he dies first and leaves the house to someone else…), but the fact you gave him £70k and have been contributing to his loan repayment under the false belief you were jointly liable then this to me sounds financial abuse, which is a recognised CRIMINAL offense
  5. even if he does have you added, seriously consider divorcing him and even reporting him to the police for the financial abuse
Edited

Totally this

SereneOtter · 27/02/2026 21:43

Hollyhobbi · 27/02/2026 20:21

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

Not the sharpest knife in the drawer would be my guess.

janietreemore · 27/02/2026 21:45

KindOpalBear · 27/02/2026 20:08

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

Show quote history

I don't think being married does guarantee you own half of it, I'm afraid. But being married will help you get a fair split if it comes to divorce. What a shit thing to do to you. Divorce must be tempting.

Xkk · 27/02/2026 21:46

Adelle79360 · 27/02/2026 21:28

That’s if they divorce, which at the current time they’re not. If the DH dies tomorrow and he’s left the house in his will to somebody else, OP is screwed.

Show quote history

He can also sell it or transfer it in someone else's name.

Boutonnière · 27/02/2026 21:48

FlynnD93 · 27/02/2026 21:32

He’s not Spanish then he’s English if he was born in the UK, regardless of his parents heritage, not that it matters I was just pointing it out :-)
hope you get things sorted

Show quote history

That hasn’t been the case since 1983 - unless at least one parent is a British citizen or has an indefinite leave to remain.

SittingNextToIt · 27/02/2026 21:49

I don’t understand this. In order to own a house both purchasers need to sign numerous contracts and documents. If you did not sign any contracts and documents, then you were obviously not a purchaser of the house?

allthingsinmoderation · 27/02/2026 21:49

So .... your DH shouted..you are not on the deeds. you checked and you are not on the land registry as an owner. Then he says you are on the deeds?!?
You need legal advice asap.

nopenotplaying · 27/02/2026 21:50

SereneOtter · 27/02/2026 21:43

Not the sharpest knife in the drawer would be my guess.

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That’s uncalled for. She was unwell and pregnant with twins (I’ve been there) you are totally reliant on others

SittingNextToIt · 27/02/2026 21:52

KindOpalBear · 27/02/2026 20:16

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.

Edited
Show quote history

WTF have I just read? You thought you have bought a house as in you are the purchaser of this property whilst having signed absolutely nothing at all? You thought it actually possible to purchase a property in your name without you signing anything? How on earth can it have been a surprise That you have not purchased this property because you have literally not signed any documentation of purchase?

mynameiscalypso · 27/02/2026 21:52

The arrangement with his DM sounds a bid dodgy to be honest, I’d be very concerned about what they both told the various mortgage companies involved and whether any of that constitutes mortgage fraud.

LeavesOnTrees · 27/02/2026 22:00

Could he sign the house over to his mum in the event of a divorce to stop her getting anything ?

Newyearawaits · 27/02/2026 22:02

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

That's not the point.
It all seems deceitful.
OP has every right to be upset.
All done when she was 4 weeks post partum with twins.
He has some explaining to do and OP needs legal advice
Take care OP and look after yourself

Newyearawaits · 27/02/2026 22:04

SereneOtter · 27/02/2026 21:43

Not the sharpest knife in the drawer would be my guess.

Show quote history

Unkind and unnecessary post.
What are you trying to achieve?

Namechangerage · 27/02/2026 22:04

KindOpalBear · 27/02/2026 20:27

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

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How did he access your 70k? I would seek legal advice.