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Getting married and mortgages = what happens in this scenario

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  • Getting married and mortgages = what happens in this scenario

    My partner and I have been living in a house bought in my name for about 18 months now. I'm the only one on the deeds and pay into the mortgage. My partner contributes what she can each month towards living costs. She doesn't earn much, but that's not a problem for me.

    When I bought the house she had to sign a letter of consent which basically means (I think) that if I do a runner they can evict her and repossess the house.

    We are wondering what happens if we get married. I've taken a look at : http://www.adviceguide.org.uk/englan...ifferences.htm

    And I read this:

    "Both married partners have a right to remain in the matrimonial home, regardless of who bought it or has a mortgage on it. This is known as home rights. You will have the right to stay in the home until a court has ordered otherwise, for example, in the course of a separation or divorce settlement."

    So I wondering if home rights trump the letter of consent? Does this consent thing get nullified somehow by us getting married?
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  • #2
    Re: Getting married and mortgages = what happens in this scenario

    We'd need to see the consent form your future wife signed.

    What was the reason for not buying the house jointly? Not personal reasons, financial one, eg is she bankrupt / bad credit history etc? ie. Its unusual to have her involved in the purchase at all if she is not party to owning the property.
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    • #3
      Re: Getting married and mortgages = what happens in this scenario

      Yes I should have a read through the form in more detail to see if it says anything about marriage etc.

      When I bought the house she had no money and bad credit but we wanted a bigger place - long story really. We would have done things differently with hindsight! LOL.

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      • #4
        Re: Getting married and mortgages = what happens in this scenario

        I think the standard practice is to get these consents so if the mortgagee repossesses they can get her out.

        I don't believe it has any impact on the "right to reside" that arises on marriage - they are different situations.

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