HI ALL

Been a while since I have been on here but have always received the most helpful advice an assistance

So my issue is that I need to get my name off a mortgage and deeds

Purchased a house with my ex partner 11 years ago but didn't work out, I asked to be removed from the mortgage and deeds and that I wanted nothing from the house, this was 10 years ago the ex has paid everything for the last ten years without a problem, I got in touch again and again to ask her to put this through as I was told by the mortgage company she has to do it. In the mean time she has met and married another gent few years back and purchased another property but still has not done anything about getting me off, I have even had the documents sent to her from the mortgage company.

Found out she has been renting the property out for years (found through electrol register) which is against the mortgage t+c

So basically I still just want off but don't know what the mortgage company will do if I tell them about the renting.

Do I need to get a solicitor to send her a letter ? I don't know her new address

Many thanks for the help

Regards

HI ALL

 

Been a while since I have been on here but have always received the most helpful advice an assistance

 

So my issue is that I need to get my name off a mortgage and deeds

 

Purchased a house with my ex partner 11 years ago but didn't work out, I asked to be removed from the mortgage and deeds and that I wanted nothing from the house, this was 10 years ago the ex has paid everything for the last ten years without a problem, I got in touch again and again to ask her to put this through as I was told by the mortgage company she has to do it. In the mean time she has met and married another gent few years back and purchased another property but still has not done anything about getting me off, I have even had the documents sent to her from the mortgage company.

 

Found out she has been renting the property out for years (found through electrol register) which is against the mortgage t+c

 

So basically I still just want off but don't know what the mortgage company will do if I tell them about the renting.

 

Do I need to get a solicitor to send her a letter ? I don't know her new address

 

Many thanks for the help

 

Regards

Suggest you speak to a Solicitor as you are probably legally entitled to a relevant portion of the rental income as a joint owner and can use this as leverage. Issuing a court claim against her for a large sum might make her extremely keen to have you removed from the mortgage.

Why would you give away a portion of your property?

She's got to pay you off.

Whatever she does or say, you are the joint owner of this property and any proceedings should be split especially if the house is sold.

I would just let thinks be and let her enjoy her rent.

One day when you're up for trouble claim your half of the property or move in it.

In other words, force the sale of it and enjoy your retirement.

The Mortgage Provider will not release you anyway until the original mortgage is cleared or you/your ex remortgages to clear it.....Its a joint Liability.