A person is not responsible for the mortgage or rent or the bills of a house that they do not live in although they remain liable to the lender or landlord if the other person stays in the property and doesn’t pay the mortgage or rent.
In that case, the non-occupier would be entitled to recover any mortgage or rental payments made by the non-occupier, from the occupier within the finances of the breakup of the relationship/marriage.
So you would be responsible to pay the mortgage if your ex husband is not living in the property. The fact that he was living rent free with his mother is irrelevant.
There are no children than he is indeed entitled to a large part of the equity and it could well be 50% depending on all the financial circumstances surrounding.
The only part of the mortgage that would be taken into account would be any capital repayments because they would come down to your credit. You paid the interest for the benefit of living in the property.
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I am happy to answer any specific points arising from this.
Please be aware that my answer is based strictly upon the information you have given me.
If you still need any points clarifying, I will be happy to reply because the thread does not close. In fact, it remains open indefinitely.
I am always happy to answer any further questions you have on any new thread in which case, please start your question with, “ For FES only”.
That only applies to new threads, not this one. You have me exclusively on this one.