I want to buy my ex out of our jointly owned house.
She is the major breadwinner with a huge pension. She’s very able to borrow enough on a mortgage to get a smaller place nearby. I work and have enough earnings to apply for a new mortgage to cover what is left on the joint mortgage, then take her off the deeds.
I’d have the kids most of the time and they’d be with her alternate weekends. I just really want them to be able to stay in their childhood home.
Never married.
The problem is…
She reckons the house is worth loads. It isn’t. It is a renovation project that we took on together but never finished.
Lots of agents have been round and have given really different values. Between 400k and 550k. We got a rics surveyor who said 480 but that was a while ago and so she is wanting more than that now.
The market seems to have cooled off locally and so I want market it to see if anyone is willing to pay what she reckons they would.
Is this possible without being stung for estate agent fees if I cancel the sale to buy her out instead of selling to someone they’ve shown round? Is there anywhere online I can fairly list it very cheaply without mucking anyone about? Anything else I should be worried about?