Taking husbands name off mortgage

[kayleighk2010]

I have not lived with my husband for a year now, and i have always paid the bills in are relationship incuding the mortgage.
He is willing to sign the house over to me!
How can i do this and will it cost alot of money?
With the house prices down at the min and my fixed rate mortgage is over, i am just paying a base rate mortgage as they wont give me one!
any reply is appreciated thanks

[gina32]

its up to the mortgage provider as to whether they think you can afford to pay it on your own or not, it would be just like applying for a mortgage on your own. if that is ok you will have to go to a solicitor or conveyancer, a conveyancer is much cheaper. good luck

[kayleighk2010]

The money comes out of my solo account and has done for the last year, so im sure there wont be a problem with that
thanks

[gina32]

when i splkit with my husband i could afford to pay my mortgage and did so but when he wanted his name off the mortgage account "on paper" i couldnt afford it, so firstly go to the mortgage lender and enquire about it

[gina32]

i think these days they are a lot more strict on who they lend to because in effect you are starting a new mortgage

[Skyline D]

The fact that you DO pay it on your own doesn't necessarily mean they will assess you as able to meet the costs on your own, especially if it remains relatively high in relation to the value of the property (as you imply). They are fairly likely to be unwilling to remove a name from a mortgage because it inevtably increases their risk.

If they are willing to have him removed then it will require legal work and associated bills. There was a thread on this as recently as Friday but I think it was suggested several hundred pounds would be the cost.

[gina32]

which is what id already said, it does cost money but do see a conveyancer and not a solicitor, they do the same job but a conveyancer is so much cheaper and a lot will tell you the amount at the off and not charge for anything else unlike solicitors