I'm also wondering if I have to pay stamp duty if he just signs the house over to me and what happens if the house is in negative equity? If I take on the mortgage am I'm the one left with a full mortgage for a house in negative equity and he just wipes his hands clean of the responsibility. That doesn't seem fair?
Everyone seems to be telling me I should get his name off the deeds as soon as possible before things get messy. I have nowhere else to go as my parents house is too small for me to move into and I couldn't afford a deposit for another place. I was thinking I could live there and rent the spare room until the prices go up. I don't expect to make much on the house but if I made enough to have part of a deposit I would be happy.
What are your monthly mortgage repayments? What interest rate are you paying. Will your ex allow you to take over the mortgage.
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