Originally it,was by mortgage, my stepmother was living on her own at that point and so it was only in her,name.although they were seeing each other at this point,and they were business partners too so it could be he was put on the deeds then although i think he was put on the deeds later on. My father then moved in with her about 6 years later. She then reremortgaged the house to pay off my fathers debts i think it was at this time the deeds were changed but am not sure. He then stopped working to look after her when she was diagnosed with ms so she could carry on her well paid job. A few years after that she had to give up work but continued to pay the mortgage with her pension. About 15 years ago he left and went to live in france. She has continued to bail him out financially over these years while continuing to pay the mortgage off. About two years ago she finished paying the mortgage and has at last found that she is in a reasonably comfortable financial,state. But now she is worried that he will,still want half,the value of the house,should she die or have to sell it.,he is also saying she cant do anything with the house including emptying the attic and garage of his stuff that has been there prior to him moving out. He says that she has to have his permission to do alterations or improvements to the house. She has had a stairlift and some little things done to make life easier for her,but she wants to put a wet room in and he says he needs,his permission but i told her to go ahead and ask her ot,to get it done as we all feel she needs it to help her keep her independence.
Thankyou for your quick response and i look forward to hearing from you soon
We are not sure how much the house is worth as it is years since it was last valued. There is nothing outstanding on the mortgage
Looking on zoopla the current value of the house is around 200,k
Thankyou very much for the information. I will relay this to her and let her decide what to do from there.