Babybuttons
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Would I have any rights as a spouse
I don't think it's extremely unlikely at all. If the house is in negative equity, there would be little point in it.
But before the 12 years is up, there may well be equity in this house and the holder of the first judgement mortgage may well apply for a repossession order. Think about it. They have taken legal action to get a judgement. They then got a well-charging order. They then registered it as a judgement mortgage. That is a lot of work and expense.
Given the financial position of the OP, there is really nothing she can do. Just keep paying the reduced payment on the mortgage and hope that the main lender is happy with this and that the holders of the judgement mortgages don't take any action before the 12 years.
Just before the 12 years is up, they can start repossession proceedings. So that gives them another few years of possible house price increases.
Brendan
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