Divorce finalised, sorting mortgage transfer and equity share deferred until child 18

[xxmyheartxx]

Divorce was finalized last week, financial not yet due to the house, when we brought thr current martial home 9 years ago, I wasnt on the mortgage due to being a sahm etc, I have being paying the mortgage whole since he left last Feb and hes finally put the mortgage on to interest free for 6 months so can hopefully sort things out, here is where I'm confused, I've done some basic how much I can borrow through the mainstream banks and they are all saying I can borrow what I need to take on the mortgage obviously havent gone as far as Decision in principle, ex husband is happy to not take his 30% (agreed between the both of us) until our youngest is 18 which is 16 years time,
House is worth approx £409k, outstanding is £179k
What do i need to do now? Obviously I have no deposit as its the equity, still have another 4 years on mortgage deal but happy to pay the early settlement figure, I know this probably should of being sorted before final order but it hasn't and I need and want this sorting ASAP
I would be grateful of any advice please
Many thanks

You need to submit financial to court and get signed off. Then you can remortgage in your name.

I doubt a judge will sign that off even if you do agree to defer the equity transfer

Is your name on the mortgage now?

If the house goes up in value your husbands share will increase massively if you can pay his share now you are only moving the can down the road. What would you do when your son hits 18 sell to pay your husbands share? I assume in order to get the lending to take on a mortgage you are working. It’s much cleaner to sell the marital property and you both take any money and often buy a smaller house.

As mentioned above. What is the plan in 16 years time? Your child will still need a roof over their head. The ££ he has in the property will increase as the value of the property increases. My ex wanted the same deal. But as my youngest gets to 18 I would be nearly 60 and not in the same position to mortgage to a higher capacity. And both kids are most likely to still be at home. As difficult as it is try to plan for clean break. You can both move on with your lives without this hanging over you.

Thank you all for the replies, we have 7 children ranging from 17 to 2 and the house suits our needs and would struggle to find somewhere now that suits what we need, yes I work now, I have done pretty much since we moved into this property thankfully, I have being covering all housing costs since he left last year, the plan would be to either sell the property when youngest turns 18 or remortgage the amount as the mortgage will be paid off at a similar time, he is happy to wait for his share which I assume is from guilt tbh with what happened and him moving away.