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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Original poster

If my stbexw leaves and rents a flat and her name is on our mortgage is just liable for half mortgage or is the utility bills as well?

9 replies

Andyjakeydan · 25/02/2019 20:08

I want her to go and i hope her OM pays her rent on a flat but i can’t afford to run our house on my own

OP posts:
HollowTalk · 25/02/2019 20:09

She's liable for her share on the mortgage, I would have assumed. You need to get a solicitor onto this.

LorelaiRoryEmily · 25/02/2019 20:11

I can’t see how she’d be liable for half the utilities if she’s not living there. Mortgage yes until you decide what to do about the house but utilities are the responsibility of whoever uses them I would think.
Sorry you’re in this situation Flowers

KanielOutis · 25/02/2019 20:24

When ExH left I had to pay all the mortgage. It was seen as in lieu of paying him rent for his half of the house.

millymollymoomoo · 25/02/2019 20:29

She’s not liable for half the mortgage. You are both joint and severally liable- therefore if she doesn’t pay it you are responsible for it and vice Versa. If renting will she even be able to? What are the longer term plans for the house and to get her off the mortgage

Tomtontom · 25/02/2019 20:34

Do you have a child? Maintenance will need to be paid by the non resident parent to the parent with care.

RagingWhoreBag · 25/02/2019 20:35

It’s in her best interest to pay half the mortgage if there’s a danger you won’t, so that she doesn’t end up with bad credit. But if she’s not living there and has to pay rent elsewhere, it’s a bit much expecting her to pay half the mortgage too. She certainly shouldn’t be paying the bills.

Can you look at taking in a lodger to pay towards your living costs until you can find somewhere smaller/cheaper?

I know it seems unfair but if you want her out you need to make it work for both of you, otherwise you’ll end up dragging it out with arguments over money rather than moving on and taking your share of the money to start a new life.

19lottie82 · 25/02/2019 20:38

A mortgage isn’t a you are both separately and individually liable. That means that there is no 50/50, if 100% is not paid the mortgage company will chase both of you or just one of you, depending on who is the easiest to find / most likely to pay.

Original poster
Andyjakeydan · 25/02/2019 20:39

Her Affair partner is quite wealthy and may pay her rent for her...its very difficult living with an absolute liar

OP posts:
Singlenotsingle · 25/02/2019 20:42

You are both jointly and severally liable for the mortgage repayments. This means that if one person doesn't pay, the lender will expect the other person to pay it all. She will be advised to write to the gas/elec provider and tell them she's not living there and to take her name off the contract.

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