Husband wants name added on house

[Yanique2580]

Hi everyone
I moved into my house, which i bought with my own money with savings and the sale of my flat. My husband was struggling financially at the time so coudnt contribute anything towards the house we now live in. The house is in my name. However, the house needed renovating and my husband put in 2 new bathrooms and a kitchen , and has done most of the renovations. We went out for dinner the other night and he asked if I could add his name to the house. I told him I would think about it. Im grateful for the work he has done but I saved my own money and used the sale of my flat to afford a mortgage for the house. Also he recently added me to his insurance, as it meant I could use his car , as he used to have anxiety about driving. He had 3 years of struggling with jobs and turning down job offers because he didn't want to sit in traffic or 1drive to far, but I stood by him. He asked me the other day if I could give him money for my car insurance as it comes out of his account because its joint in his name. I asked him why he coudnt help me with 75 pounds a month and he said do you want to change to having your own insurance.🙄 To be honest I really don't want to add his name to the mortgage.

This is correct, I am going though the procedure now.

Why did you marry someone you don't like or trust? He's a dick though. But £75 a month on car insurance?!

it would be more complicated than half and half whichever partner it was- people on MN always scream marital property, but it is not as simple as that.

I do wish secular marriages included the same promises as church weddings because those promises faithfulness,in sickness and in health, everything I have I give you, till death. Etc The financial one is the only legal one but people do think the others apply so either make those promises and mean them in front of witnesses or don’t get married.

It might not matter if you divorce (but you’d need legal advice on that), but it does matter if he dies. If you own jointly as tenants in common he can leave his share to anyone in his will, and they might be able to force a sale leaving you homeless. Think very carefully about this.

Why bother getting married if you think like this?

Why did you get united in marriage if you don’t want to be united in life?

If you divorce , he has a claim to the house regardless of whether he is on the mortgage or not. Marriage is a blending of assets. If you have reservations about your husband OP, I wold love at divorcing now rather than later as he will get less as the marriage has been shorter.

@Yanique2580 I think you really need to take legal advice on this.

Slightly different rules apply on this, depending where you live in the UK, for one thing; Also you bought the family home initially with proceeds from a property that was solely yours before you married, so although people are correct about your current home being taken into account as a Marital Property, it is possible that the split wouldn't be 50/50 and you might get a higher percentage of the value in a divorce

But it all depends on your exact circumstances and which jurisdiction you are living in and only a solicitor can advise you on that one.

You think people should stay together "until death do us part" no matter what?
So ignore cheating and abuse?

Does he pay half the mortgage or did you buy the house outright? Also do you have children living with you?

No it really isn't. Please read the information from the hmrc manual and then inform me why 11032 does not apply.

'Any transfer between spouses or civil partners made on the breakdown of a marriage or civil partnership is covered by the exemption if it was made before the dissolution of the marriage by the decree absolute, or the dissolution of the civil partnership by the final order. You should note that dispositions between or for the benefit of spouses and civil partners, or former spouses and civil partners, on the breakdown of a marriage or civil partnership may not be transfers of value (IHTM04151) in view of IHTA84/S10 (IHTM04165) or IHTA84/S11 (1) (a) (IHTM04173).'

https://www.gov.uk/hmrc-internal-manuals/inheritance-tax-manual/ihtm11032

@secretrocker I think you might have been agreeing with me? 🙄 sorry I think I misread your post!

Haha, thanks, I was just about to rage reply 😅
I meant your post was correct, sorry if that wasn't clear.

❤️

How does one half of a married couple buy a house by themselves and think it solely belongs to them?!

Does he want to be on the deeds or mortgage? Or both!

What's the income differences as that might make the insurance debate understandable? If he is paying for the car who pays for maintenance etc?

However 4 years married and assume time living together beforehand would start to enter medium term marriage and if you separated you would split all assets, which includes house, pensions and any savings.

If you are operating solo finances with a his/mine attitude then you will always have fights over money

Do you include mortgage in ‘bills’ or just gas, electricity etc?

If he's paid for two bathrooms and a kitchen, I'm a house that the OP only purchased this year, he's likely paid around 20-30K, which is probably more than the mortgage.

If he didn't buy the units but only fitted them, then that labour is still worth a very sizeable amount, and then there's the renovations to the rest of the house.

I feel like he's being taken advantage of here. Thankfully as they are married the courts will sort it out if they divorce.

Not legally, in England and Wales at least. We don't have community of property.

YABU. A man saying he didn’t want his wife being on the title to their shared home would have his arse handed to him and rightly so.