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We moved into this house ten years ago and, at that time, I was on an existing mortgage for another property. We were advised that I couldn't be on two, so when we first moved in we had a mortgage just in my husband's name. This was on a 3-year fixed rate. Once I been removed from the other mortgage, we approached the building society and were told that it would cost several hundred pounds to change the mortgage over to a joint one, so we decided to wait till the end of the 3 year period before doing so.
So basically, I understood that up until we re-mortgaged the house was in his name, but the whole idea of us getting a joint mortgage was to offer us both the same level of security, as we'd both invested the same amount of money in the house.
After 3 years of living here, the fixed rate came to an end and we shopped round and applied for a joint mortgage with a different building society, and we/I've been with them ever since.