Mortgage after seperation

Me and my ex have a son together and we brought a house 7 years ago, where we are joint tenancy on the mortgage.

We split up just over two years ago and he moved out. We agreed between ourselves that i would stay in the house with our son and since then i have been paying the mortgage by myself.

I am trying to get the mortgage moved to just my name (staying with the same mortgage company and not changing any of the terms or conditions of the mortgage)however i have now hit the part of the process now where by according to their affordability calculations i can't afford to pay the repayments, yet i have been paying it for 2 years. They have my payment history.... Is there anything i can do?

Hello pinkfish and welcome to wiki.

Were/are you and your ex married?

This can make a difference to how things are sorted out between you.

Unfortunately regardless of whether you were married or not, you cannot force a mortgage company to take you on. It may be worth shopping around - perhaps talk to a good IFA about the situation. However I can see that a possible sticking point may be that you do not have the finances settled ... and he may have a claim on some of the equity.

On the other hand, he cannot take himself off the mortgage either. Make sure you keep a note of any capital you are repaying - that may be able to be taken into account when finances are sorted.

Hadenoughnow

thanks, that's kind of what i thought but wanted to check... and we were never married, just lived together. Think it's a case of a good FA now to see if they can help