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Original poster

In a panic. Stbeh has bought a house without telling me.

98 replies

dontrecycle · 16/08/2020 13:41

Just found out he has bought a house. We have not yet agreed on a financial settlement.

I live in the family home at present. Two kids.

I don't know how but am I liable for this? Does the debt for this house now come into play in our financial settlement?

OP posts:
georgeandthedragon · 16/08/2020 13:47

Not a lawyer but I would think yes as it's still marital pot
If you are in family house assume he needed somewhere to live also?

Original poster
dontrecycle · 16/08/2020 13:56

Yes but we can't afford two houses.

OP posts:
georgeandthedragon · 16/08/2020 14:05

Do you know how he paid for it / how the bank lent him the money - especially these days he would have had to prove to them he could afford it.

Maybe someone lent him money or he had some more money you didn't know about ?

NotaCoolMum · 16/08/2020 14:06

What a wanker

icedbun5 · 16/08/2020 14:09

Actually bought it?

Do you know how he's done it?

edwinbear · 16/08/2020 14:16

But where do you think he should live if you’re in the family home? Confused

Feralkidsatthecampsite · 16/08/2020 14:18

Congratulations op - you are part owner of another house. Presumably it goes into the marital pot?

Longdistance · 16/08/2020 14:18

Has he taken money from the family home? Remortgaged it to get a deposit?

maddiemookins16mum · 16/08/2020 14:19

Surely he has purchased a home to live in so his two kids can come over half the week?

Thelittleweasel · 16/08/2020 14:19

@dontrecycle

Assuming you are getting a divorce [or will] all your assets and any agreed ownership goes on "Form E" less any liabilities. So the equity on his new house will be shown as "his".

It is a good idea - in my view - to start getting "facts" together. If you know the address you can [for a few ££] get a copy online of the land-registry documents. You will be able to establish the beneficial owner and any restrictions, the amount paid and any mortgage on the property. May be interesting!

NotSuchASmugMarriedNow1 · 16/08/2020 14:20

Don't panic. Firstly, he's got to live somewhere hasn't he? Where was he living before he brought the house?

Maybe his parents have brought it for him.

He CAN afford it, obviously, otherwise he wouldn't have been able to have it.

timeisnotaline · 16/08/2020 14:21

I guess it’s a debt in the family pool now? Do you think he’s assuming you will pay current house mortgage on your own and you had expected help? I know you’re panicking but we probably need more detail :)
Has he actually executed and settled on it? Or just made an offer and starting the lengthy settlement process? What did you think the housing plans for each of you were and how would they be funded?

icedbun5 · 16/08/2020 14:22

@maddiemookins16mum

Surely he has purchased a home to live in so his two kids can come over half the week?
Well yes, but you shouldn't buy a house until the finances are settled! Perhaps sell the house they all live in. The OP says that they can't afford two houses.
nasiisthebest · 16/08/2020 14:25

So what was the plan if you can't afford two houses? I doubt that he was supposed to go live in a tent in the backyard. Did you discuss keeping the family home? Can you buy him out?

netflixismysidehustle · 16/08/2020 14:26

You need to find out how he financed the purchase and who's name is on the paperwork.

Smellbellina · 16/08/2020 14:28

You can download the land registry doc for £3.

Northernsoullover · 16/08/2020 14:31

My partners ex bought a house before the financial settlement. It was a mistake on her part as she defence got less than she would have had she not. Her parents helped her. So it might not be a bad thing for you.

PegasusReturns · 16/08/2020 14:31

If he bought it with a mortgage presumably the bank thought he could afford it...

Northernsoullover · 16/08/2020 14:31

Definitely* stupid phone

Monday55 · 16/08/2020 14:32

Maybe he earns more than you know or he had some savings he never disclosed all these years / inheritance maybe? are his family wealthy ?

IceCreamAndCandyfloss · 16/08/2020 14:42

@dontrecycle

Yes but we can't afford two houses.
He has to live somewhere and you have obviously decided to stay put in what was his home.

Surely you pay for yours and he pays for his until the finances are sorted. Or were you expecting him to fund your mortgage as well?

bakedoff · 16/08/2020 14:44

Speak to a solicitor and find out more details

Lifeisabeach09 · 16/08/2020 15:01

I'm likely wrong but isn't that a good thing? He can't force you to sell your co-owned home on the pretext of not affording another?

You'll have to take over responsibility for the mortgage of the joint house and/or buy him out if possible?

Cheetahfajita · 16/08/2020 15:05

Had you discussed where he would live?

Original poster
dontrecycle · 16/08/2020 15:08

Already exchanged form e but we had agreed to do it again pre settlement as I didn't have all my pension information and he didn't have his business valued.

I'm thinking he has cashed in his pension (can you do that)??? He won't tell me how he has bought it.

I just think he's got me into debt with an additional mortgage without my consent.

OP posts:
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