Deeds for house on Joint Mortgage

S

sunny2009

Guest
Hi Everyone
My partner & I are FTB, and I wanted to find out if we get a joint mortgage, do both our names have to be on the deeds of the house, or can I just have mine? The scenario is he has had some gambling problems in the past. Our money is now secure, as I've tied up access to accounts etc, and the problem has not raised its ugly head in a while. However I don't want to go into a mortgage blindly or naively, and risk losing our home (He may be ok now, but who is to know what may happen in the future)... as we've all heard about this type of thing happening.
Can I have my name only the deeds to ensure that I never lose the house? - I honestly dont believe such a scenario would happen us, but I'd rather be safe than sorry..

Many thanks for reading, and any advice appreciated
 
Supposing you could do this, ( and I very much doubt it) what is to stop you in the future denying that he has any interest in the property? Its all too easy to see one side only of the issues here, but, frankly, he'd be insane to do this.

Money is one of the big relationship issues. If you could raise the mortgage on your own, so it is your house, in your name, that would make more sense for you. But probably not for him.

mf
 
Hi MF1
Op here, thanks for your reply - Yes, I agree there is trust (needed by him) that I would never do what you highlighted above (decline him his interest / investment in the house). I know I would never do this, it is not in my personality - even if we fell apart and grew to despise each other! - hand on my heart, i would still be fair and things would be sorted out fairly etc. As I said in original post, I am new to this, and just had some concerns about the whole issue. I would not have the money to get a place on my own, so that is not an option. I just wondered if there was a way of ensuring me and (possibly in the future) my family would not end up homeless / destitute because my husband in a moment of madness gambled stupidly etc... Im probably over worrying about something that will probably never happen....
 
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