If one person moves out of a home that is jointly owned in a relationship, are they still responsible to pay for half of the household bills like the mortgage, power, insurance after they leave?
There are three issues to address here:
1. Partner with no kids in the home
Normally the partner may be expected to pay their own expenses in the family home. This depends on their income compared to the partner moving out and other issues. Is there a mortgage on the home? How long is this occupation going to be for?
2. Partner with kids still in the family home
This is normally an exception to point one above. If you have children in the home under 16, then the Family Court will most likely be more lenient in the event that you or your partner are not contributing toward those expenses as the person who moves out must find another residence. However, if your case is one where spousal maintenance will be ordered, contributing toward those expenses can be considered part of that and can avoid or reduce any alleged expenses in the future. Find a specialist lawyer as soon as possible to discuss. Read my e book – 6 steps before moving out of the family home.
The first is the obligation to your creditors, and the second is the obligation for you or your partner to continue paying the bills. You are equally liable in the eyes of the creditors for the the bills to be paid, unless you are able to transfer things like the utilities out of your name. Obviously, if your partner does not make these payments and you are still technically liable, your credit will be harmed. The bank deals with these cases all the time and may be flexible.
- Seek a Mortgage holiday
- Seek an interest only mortgage
- Talk to family members for support
- Get a flatmate into the house?
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