Ask bf to come on my mortgage with me? Bad idea?

[2021vibes]

I have been trying for a year to get my stbxh name off my mortgage as he's moved out 18 months ago. Because I don't earn as much, the bank won't let me. Its meaning stbxh is renting but is wanting off ASAP so he can buy his own place.
My bf (of around 14 months) is in a good financial position and owns a few properties already.
Would it be the worst idea in the world to ask him to swap into my mortgage to help me out for a few years until such times as the bank will let me take it on in my own (ie I get a decent full time job, just lost job due to covid)
Bad idea?

Or if you think you will get a new job soon, tough it out.

Putting someone else on the mortgage immediately gives them rights to your equity

Please heed all the advice here. Your idea is a short-term solution but potentially a long-term nightmare

Could you rent a room and show that as potential income?

I wouldn't expect bf to pay a penny towards repayments btw just put his name on?

What the actual??????

This is bizarre. I'm married and I wouldn't even put my husband's name on my mortgage. And if I did he'd sure as hell pay his way.

Can you get a parent to be a guarantor?

The reality is you can't afford to stay in your current house, as you need to not only be able to afford the mortgage on your own right now as well as the future, but pay your ex his fair share. You need to accept this reality. Too many people get into debt due to not accepting facts and being irresponsible.

Either sell the house and split the proceeds with your ex, or if your ex can afford to stay in the house with his job then he stays and buys you out.

I've looked into renting the room and the bank needs 2 years worth of payments for this to be classed as income.
How would my parent being a guarantor work?
The annoying thing is because I put my family inheritance into the deposit for the house, it's very affordable, the mortgage repayments are under £400/month
In my area to rent a house of similar to mine is £1000/month +
So technically I'm affording it but it's the affordability for the bank point of view.
I've got over the asking bf to come on idea and wil keep trying other options.
Not ready to sell until I've looked at every possible option

Your parent being a guarantor means if you default on a payment the bank will just take it from your parents bank account instead.

They will presumably be credit scored now to make sure they have enough credit/assets that in the event you don’t pay they can potentially do so. Lots of people do it for their kids as property is so expensive.

So if you own a house and stop paying the mortgage they will legally have to pay it for you. Even if it means selling their own house to do so I think. So that could potentially be a risk they’d have to be willing to take.