Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Relationships

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

Mortgage responsibility when fleeing

31 replies

Freedomfighter87 · 18/01/2025 12:57

I'm preparing to leave an abusive relationship and take my primary school age child with me. I can afford to cover rent and bills on a new house, but not make any payments towards the mortgage on our current home at the same time.

Husband is out of work, so at the moment I pay all the bills (whilst working full time and doing everything else...), but is looking. I suspect when I leave he won't bother to get a job as he will expect me to carry on paying for everything, which I won't do. I'm not expecting for him to provide any financial support towards raising our child.

Has anyone been in a similar position? My current view is that even if our current home ended up being repossessed it would be better than living like this, it has plenty of equity to cover the outstanding mortgage so I'm not worried about that. My main concern is creating a new safe and peaceful home for my daughter, but I wondered what hurdles I can expect when walking out of a property? He won't leave, and as we are joint owners I can't make him. The abusive is emotional rather than physical and so unlikely to secure an occupation order.

OP posts:
LostittoBostik · 18/01/2025 14:48

Mrsttcno1 · 18/01/2025 13:03

You are legally required to make your mortgage payments, it’s not as easy as just walking away from it, and the impact of not paying your mortgage if that leads to missed payments and repossession of the house could really prevent you securing a new home for yourself and your daughter because nobody will lend to you for another mortgage and you’d fail the credit checks to rent.

If your let your home be repossessed you won't be able to get a future mortgage and you'll struggle to rent too.
Take legal advice. Call Women's Aid. If it's an abusive situation, you're paying the bills and it's a joint mortgage the easiest thing legally would be to demand that he leaves. I realise in practice that's difficult. Would the police be involved at all)?

Freedomfighter87 · 18/01/2025 14:48

Thanks all for your words of advice and support. We're on interest only already due to him being out of work but haven't missed a payment in 20 years so I will definitely look into a payment holiday and speak to the mortgage company. I'm in that sticky spot financially of earning a good salary so I can't claim any benefits or legal aid, but thanks to years of trying to cover everything myself don't have much money spare. The positive is that the house is worth well over double the outstanding mortgage so I'm hopeful there won't be a shortfall and then I can start to slowly rebuild my life

OP posts:
LostittoBostik · 18/01/2025 14:48

Mrsttcno1 · 18/01/2025 13:15

Honestly OP you’d be better off getting a court order to force the sale

Yes, this...

HellofromJohnCraven · 18/01/2025 14:50

Follow your plan to move out.
Once you are safely out see if your mortgage provider can provide support and advice. You are a vulnerable customer so they should

Snapncrackle · 18/01/2025 15:12

If you can force a court order for a sale you might walk away with 60 percent of the equity

depending on the ages of your kids if he’s but working ( and doing the usual Cock lodgers stuff of playing PlayStation games all day while you work) he isn’t going to want to let his easy life and golden goose ( you go easily)
so be prepared for him saying he is the main parent ( as you work) wanting the kids 100 percent - he won’t they rarely do) and using more emotional blackmail and abuse via the kids to keep you in the house

so play the long game if you can
document everything you do for the kids

It it sold at auction you rarely get what urs worth
lenders just want rid and to recoup what they have lent you
they aren’t that bothered if you don’t get much back

biscuitsandbooks · 18/01/2025 15:14

Flopsythebunny · 18/01/2025 14:40

It isn't a criminal offence not to pay a mortgage 😂

PP didn't say it was Confused

New posts on this thread. Refresh page