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Ask Jo C. Your Own Question
Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 31300
Experience:  Over 5 years in practice
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On a mortgage that I haven't paid towards in 2 years and

Customer Question

My names stuck on a mortgage that I haven't paid towards in 2 years and can't get name off without re mortgaging. Their is debt on the mortgage and house could be repossessed. What are my options?
Submitted: 10 months ago.
Category: Law
Expert:  Clare replied 10 months ago.

Thank you for your question

My name is Clare

I shall do my best to help you but I need some further information first

How did your name come to be on the mortgage?

How much is the house worth and how much is outstanding on the mortgage(s)

Customer: replied 10 months ago.
My names on their as I brought the house with my now ex partner. My mortgage provider doesn't allow you to get your name off, unless my ex re mortgages the house, which he can't do.
Not sure what the house is worth, their is 108,000 outstanding on the mortgage
Expert:  Clare replied 10 months ago.

Best guess on the value

who lives there now

Is there any reason why the property should not be sold?

Customer: replied 10 months ago.
I'd say 115/120,000. My ex partner lives their with his girlfriend. Plus he has our 2 children stay over couple of nights a week.
To be honest I would have preferred to sell but he says he'd have no where else to live
Expert:  Clare replied 10 months ago.

Why can his girlfriend not take your place on the mortgage?