Hi, any advice really appreciated.
Ex and I unmarried, bought house in 2006 for 225,000, currently valued approx 140-150,000 - we have current mortgage of 170,000, which is a tracker mortgage.
I work 4 day wk, I earn 37,000 pa. I have put every penny into house and savings, I have been so terrified of being without anything due to experience in my twenties of being homeless for a few years, but I made huge efforts to turn my life around.
Anyhow, My ex still lives in house, its unbearable now, he will not move out and tells me it is up to me to move out and he wants to take custody of child. He has told me that he will make it that the child will have nothing to do with me.
Obviously I dont want my child in this kind of place, but the ex is happy to stay this way, I know it will damage child if it continues.
The ex is in debt to I think about 7,000 he has no assets. He kinda always lived off me, after 15 years I only realised this.
I am 41 years old and realistically my current home is going to be the only home I will ever have. I want to keep my home, preferably I would love to own the house out right. I have offered him money to go, 10,000, but he not interested. He could live with his parents, I know thats not ideal, but its not option for me as both are dead.
I have been given legal advice which is do not move out, which is not a runner anymore. If I move out I will not be able to afford a rental and contribute to a mortgage, I want to contribute to mortgage because when time comes where house can be sold I want to get my fair share,
if I don't contribute to mortgage will I have any chance of getting half share of house, the rent I will be paying will be about 100 more per month then the monthly mortgage of 712.
I am useless at finances and have no idea I doing to be honest, I dont even know if I should approach bank or what to say to them if I did.
Should also add I am aware I am liable for mortgage, when the ex messes it up, is there any way of forcing him to give up the house.
I think he thinks if he is in family home he will get the child, not sure how accurate this is either.
If I have to I will go but only for the sake of the child, I will not go only for him to get even joint custody of the child, child is 5, I think that would confuse him and besides I dont think his dad is good influence in lot of ways.
Ex and I unmarried, bought house in 2006 for 225,000, currently valued approx 140-150,000 - we have current mortgage of 170,000, which is a tracker mortgage.
I work 4 day wk, I earn 37,000 pa. I have put every penny into house and savings, I have been so terrified of being without anything due to experience in my twenties of being homeless for a few years, but I made huge efforts to turn my life around.
Anyhow, My ex still lives in house, its unbearable now, he will not move out and tells me it is up to me to move out and he wants to take custody of child. He has told me that he will make it that the child will have nothing to do with me.
Obviously I dont want my child in this kind of place, but the ex is happy to stay this way, I know it will damage child if it continues.
The ex is in debt to I think about 7,000 he has no assets. He kinda always lived off me, after 15 years I only realised this.
I am 41 years old and realistically my current home is going to be the only home I will ever have. I want to keep my home, preferably I would love to own the house out right. I have offered him money to go, 10,000, but he not interested. He could live with his parents, I know thats not ideal, but its not option for me as both are dead.
I have been given legal advice which is do not move out, which is not a runner anymore. If I move out I will not be able to afford a rental and contribute to a mortgage, I want to contribute to mortgage because when time comes where house can be sold I want to get my fair share,
if I don't contribute to mortgage will I have any chance of getting half share of house, the rent I will be paying will be about 100 more per month then the monthly mortgage of 712.
I am useless at finances and have no idea I doing to be honest, I dont even know if I should approach bank or what to say to them if I did.
Should also add I am aware I am liable for mortgage, when the ex messes it up, is there any way of forcing him to give up the house.
I think he thinks if he is in family home he will get the child, not sure how accurate this is either.
If I have to I will go but only for the sake of the child, I will not go only for him to get even joint custody of the child, child is 5, I think that would confuse him and besides I dont think his dad is good influence in lot of ways.