My husband wants a house under his sole name. can i protect myself?

cue We buy our next family home. My husband wants it in his sole name (both on the mortgage and the land registry), but this makes me uneasy. He said it doesn’t matter because we’re married, so if he dies I’ll get it and if we get divorced I’ll get half.

I’m on maternity leave now, so I can’t earn money, but when I was working, I paid monthly mortgage loans. But since I don’t earn that much, I could only make a small contribution to the mortgage loan.

He said he would leave my name on the application because he bought the apartment with a friend a few years ago, so the co-owners will have stamp tax issues and won’t be able to get a mortgage.

This doesn’t feel good. Am I protected? Or – if not – how can I protect myself? My husband says that if I can sell my apartment, I can have my name on the house, but it won’t cost me anything.

all I have bad news for my husband. Even if you are not designated as co-owners of your new home, your apartment may still affect the rate of stamp duty land tax (SDLT) levied in the UK. Treats marital or civic partnerships as a unit.

The good news, in my opinion, is that if the home you’re buying replaces the “primary residence” you currently live in, you won’t have to pay the higher rate SDLT, despite owning two properties as a couple. . The same is true of Scottish regulations.

Therefore, being nominated as a co-owner makes no difference in the amount of SDLT payable in this case. But it could potentially make a huge difference in the amount you would receive if your husband died.

If you become a co-tenant, you will automatically get the whole house when he dies. If you were nominated as a co-tenant – so you each had their own share in the house – you would keep your share but you would get your husband’s share only if he left it to you in his will will be Even if the house is his sole name, you are right to worry about being unprotected.

The amount you get in a divorce depends on the financial agreement you make at the time, and you don’t automatically get half of it.

It is better to become a co-owner from the date of purchase than to wait for the apartment to be sold. We recommend that you become a co-tenant whenever possible. Doing this will be cheaper than listing your name on the property later, as there are fees to be paid later.

My husband is babbling because he can’t get a mortgage while on maternity leave. According to Pete Mugleston, mortgage advisor at, “Maternity leave can be a time of financial uncertainty. As you may have heard of, conversely, you can get a mortgage during that time.” . However, it may be easier to find a flexible lender with the help of an independent mortgage advisor than it is to approach a mainstream mortgage lender directly.

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