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Releasing Equity on Joint Owned Home.


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Good Morning Guys, Im hoping someone can help me.

 

I am asking on behaf of another party.

 

Couple joint own a home, the mortgage was halfed and now both sides have been paid.

 

One side has decided they want to release equity but the other does not fully agree but has been asked to sign paperwork.

 

The side that wants to release the equity has told the other side its only coming of thier side of the house.

 

Is that a thing?

 

How will that work if the house was to be sold as both parties have children.

 

My question is how can the house sell and be equally shared if one of the owners has taken equity from the property.

 

Im asking as one half is money minded and the other does not have a clue. you can guess who.

 

Thanks

 

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Those are very valid questions. I wouldn't want to sign either.

 

I suppose a way to find out how it works in practice is to ring a couple of lenders who offer equity release and ask them the question.

 

A couple we know took an equity release plan and it was quite heavily regulated back then. They had to involve and adviser to go through all the ramifications with them or the lender wouldn't have accepted the application. I don't know if that still applies.

Illegitimi non carborundum

 

 

 

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