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UKfamsol
UKfamsol, Family Solicitor
Category: Family Law
Satisfied Customers: 560
Experience:  Very experienced specialist family law solicitor, qualifed in 1994
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Hello, i am asking question on behalf of my daughter, is there

Customer Question

Hello, i am asking question on behalf of my daughter, is there a legal way she can take her name off a mortgage she had with ex husband? He is still in house, she has divorced him but not got absolute as yet.
Submitted: 3 years ago.
Category: Family Law
Expert:  UKfamsol replied 3 years ago.

Hello and thanks for your question.

How much is the house worth and how much is outstanding on the mortgage?

What other assets and debts are there?

How much income do they each have from all sources?

Are there any dependent children and if so, who has the day to day care of them?

What stage is the court case at? Has a final order been made and if so, what does it say?

Customer: replied 3 years ago.

House worth between £85,000- £90,000.At the moment ex husband has failed to attend the 3 court appointments, and submitted none of the paperwork . Daughter has done everything asked of her.I don't know their salaries, he works full time, so does my daughter, {she is private renting at the moment}.I am unsure of balance on house.There are no children involved.The court is sending a 4th appointment date, we can only hope he will turn up.

Expert:  UKfamsol replied 3 years ago.
Hello again and thanks for extra information.

To get her name off the mortgage will require the agreement of the building society. The court is not able to order the building society to remove her name, as the building society is not a party to the matrimonial case. The building society wants to minimise the risk to their loan, which is less if 2 people are named on the mortgage deed than if there is only one name. You don't say how much the mortgage balance is, but for the mortgage to be transferred into the husband's sole name, he would have to have an income equal to at least 1/3 of the mortgage outstanding, and the hiusband would also have to agree.

However, the court does have the power to a) to order that the house be transferred into your daughter's sole name (even if the mortgage stays in joint names), and to order that the house be sold - which if the husband continues to refuse to cooperate could be the answer. For example - the court orders the house to be transferred into your daughter's sole name, that then allows her to put the house up for sale, she can take him back to court if he refuses to cooperate with the sale, once an offer to buy has been received, if the husband refuses to sign the conveyancing papers, your daughter can get the court to sign in his place. The terms of the mortgage deed mean that the builkding society will get paid first out of the net sale proceeds. So then there is no more mortgage - and your daughter is no longer named on the deed, which is discharged.

It's not going to be a speedy process because the court will give the husband ample chance to show he can cooperate, and it's hard to get the court to move things along any more quickly.

Depending on all the other financial information which you didn't have, your daughter may or may not be able to keep some or all the net sale proceeds.

I strongly advise her to get some face-to-face legal advice from a specialist family law solicitor. Here's where to find one:

http://www.resolution.org.uk/findamember/

I hope this helps and I wish you the best of luck.


Thanks and best wishes...


UKfamsol and 2 other Family Law Specialists are ready to help you
Expert:  UKfamsol replied 3 years ago.
Thanks very much for your positive rating and prompt payment - AND bonus! much appreciated.

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