How do I take a name off a joint mortgage?

Comments (5)

• Alexandra

  posted on 11 Sep 2017

  I have mortgage with my ex boyfriend I want make one name on mortgage but I'm not sure what I need to do. I don't know whether to keep my name or remove it from mortgage. Can you give me any advice please? Many thanks Alexandra.

  

  Hi Alexandra,
  As mentioned in the article, once you have decided who is going to keep the mortgage, the person keeping it has to apply to a lender to transfer the mortgage over to them. In terms of deciding whose name remains on the mortgage, that depends on who wants to remain in the house, and who can continue to pay the mortgage repayments by themself. You may also need to consider buying your ex-partner out of the property.
  Good luck, reallmoving

  Anita Karra

  posted on 8 Dec 2017

  I have a joint mortgage with my ex husband. I moved out with my 2 daughters in 2015 and I do not pay the mortgage I have asked my ex to buy share of the property and give me my share. Or sell the property and split the equity. He keeps ignoring me and refusing. Which means I can't buy my own home to provide a stable home for my daughters. I can't afford extortionate legal fees can I progress with this myself by applying to remove my name and get my share. I'm fed up.

  Stacey

  posted on 6 Jun 2018

  Hi, thanks for the article, what are your options if the person who will remain on the mortgage refuses to go through the process?

  

  Hi Stacey,
  That is a common problem and can be quite complicated. We'd recommend talking to a solicitor about this, or perhaps checking the forum.
  
  All the best,
  the reallymoving team

  Paula Davis

  posted on 2 Sep 2018

  When we took out the mortgage I got a solicitor to put in that the flat was 100% mine we are not together anymore but we still live in the flat I would like to take his name off the mortgage.

  

  Hi Paula,
  
  You will need to talk to your mortgage lender about whether they are happy for you to take over the mortgage alone, and if you can afford to do so. It's worth talking to your solicitor about your ex-partner's ownership because as he has presumably been paying part of the mortgage, he may be entitled to part of it, under beneficial interest.
  
  Best of luck, 
  reallymoving

  Alex

  posted on 20 Sep 2018

  Hello. I am the party leaving the property and need my name removing from mortgage. My ex partner has already been accepted as a only borrower by the bank and has his solicitor who quoted him £300 on his side which seem fair based on your information. Bank requires me to also be represented and I've been quoted £200. Is this not too much, since it's my ex partner's solicitors who are doing most of the work?