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Relationships

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Original poster

How to get my name on the mortage?

26 replies

Worriedaboutleaving · 01/10/2023 23:37

Our house is in DH’s name. I have a very low salary (primary carer). He says my name can’t go on the mortgage as I don’t earn enough.

Is this true?

OP posts:

ForbiddenColour · 01/10/2023 23:40

No it's not true. As long as you have a good credit rating there shd be no barrier to you being on the deeds and mortgage,

nc14 · 01/10/2023 23:46

Agree with @ForbiddenColour, it’s not true.

ConnieTucker · 01/10/2023 23:57

You need to think deeds and mortgage, op. Not just mortgage.

how long have you been married?

MrsTerryPratchett · 02/10/2023 00:03

As long as you know who the provider is, you can make an appointment to see them, or an independent financial adviser and invite your DH to the appointment.

Let him explain in front of them that you can't be on it.

scoobydoo1971 · 02/10/2023 00:07

You should be able to have your name on the mortgage. If that proves not possible, you can add your spousal beneficial interest over the matrimonial property. More info: https://www.diyconveyance.co.uk/registering-property-matrimonial-home.html

Registering a Property as a Matrimonial Home

Matrimonial home rights - how a person who lives in a property owned by their spouse or civil partner may be able to register an interest against it.

https://www.diyconveyance.co.uk/registering-property-matrimonial-home.html

Thatnameistaken · 02/10/2023 06:41

Not true, I was a very low earner when we bought our house but my credit rating was fine so we are both on the mortgage and deeds

DameEtna · 02/10/2023 06:45

As a pp said, it's the deeds you need to be on.

Adding you to the mortgage makes you jointly responsible for paying it.

Adding you to the deeds makes you joint owner of the house.

PaminaMozart · 02/10/2023 06:49

As @DameEtna says, it's the deeds that matter, not the mortgage!

The problem is that many (most?) mortgage providers insist that if you want to be on the deeds, you also have to be on the mortgage.

Oakbeam · 02/10/2023 15:34

it's the deeds that matter, not the mortgage!

If you are married, are there any practical advantages with being added to the deeds?

OhComeOnFFS · 02/10/2023 15:36

Was the house bought before you were married?

OofyDoofy · 02/10/2023 16:02

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OofyDoofy · 02/10/2023 16:03

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OneRingToRuleThemAll · 02/10/2023 16:09

It's not true, and it means your DH can leave the house to whoever he wants in his will.

I'm a homeowner in a second marriage. My home is willed to my children not my husband.

JIMMI85 · 02/10/2023 16:21

If he bought the house with his own money, especially if it was before you met or married then I don't see why you should expect to be on the deeds. Being on the mortgage is slightly different, as you then have financial responsibility alongside your husband but you don't technically have any rights or ownership.

However, if you were to buy a property together, then if your salary was low, it is likely you would actually be able to borrow LESS as joint owners compared to if it was just your other half. This is because the salary multiples generally used on joint applications is less ( 3 ) than those used with single applications ( 5 or 5.5)

Velvian · 02/10/2023 16:24

If things are not going well between you, a solicitor can help you register a charge against the property with the Land Registry under the Family Law Act.

JIMMI85 · 02/10/2023 16:46

Velvian · 02/10/2023 16:24

If things are not going well between you, a solicitor can help you register a charge against the property with the Land Registry under the Family Law Act.

If you aren't on the deeds, this won't effect you financially unless you are married or can prove you have financially contributed to the house. A charge only really means the house can't be sold without your permission, and unless you are married or have kids, it is very unlikely this will happen.

AnneElliott · 02/10/2023 20:30

I don't think is true. I was on the mortgage at 19 with only a Saturday job! Definitely make an appointment with the broker to discuss it.

exDHisatwat · 02/10/2023 20:37

As you refer to your DH I assume you're married? If so you jointly own the property with your husband. I don't think there's anything you can do re being added to the mortgage or the deeds if he refuses. I would register your Home Rights (Form HR1) with the Land Registry.

MrsMenmen · 02/10/2023 20:41

Surely if you were to ever divorce it would be a marital asset as you are married anyway? I hope so as I'm not on the mortgage either as I have a bad credit rating

sleepD3pr1ived · 02/10/2023 20:45

It's a marital asset being in the mortgage isn't necessary.

Cranberriesandtea · 02/10/2023 20:53

Wow great replies from OP here..

Velvian · 02/10/2023 21:27

@JIMMI85 , OP is married, that was the basis of my comment.

JIMMI85 · 02/10/2023 22:52

Velvian · 02/10/2023 21:27

@JIMMI85 , OP is married, that was the basis of my comment.

OP never said she was married though?

Even if they were married, If the house was bought prior to them being married ( if they are married ) and OP can’t prove she contributed financially during their marriage due to her low income, such as paying a proportion of the mortgage or paying bills etc ( which is unlikely due to her low income ) then she has little financial rights.

it’s a little different if children are involved, and it depends on how long they have been married for, and the equity within the property but it’s not as straight forward as a 50/50 split or being easily able to be put on the deeds.

DonnaTellMeThis · 03/10/2023 13:03

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exDHisatwat · 03/10/2023 18:58

@JIMMI85

"Our house is in DH’s name. I have a very low salary (primary carer)."

As op stated DH and that she's the primary carer I assumed she is married and that they have children. If that's the case it's irrelevant if her DH owned the property prior to marriage or if she's paid anything towards it. The house is classed as the marital home as they live in it and as such is a marital asset which means she jointly owns the property. As she is the lower earner and main care giver she could actually be entitled to more than her DH of they were to divorce.

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