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  • Check whether you actually have a 50/50 split of the mortgage, or whether you are jointly and individually liable for it. I also bought with an now-ex, and in theory we're each liable for the whole thing if the other stops paying - fortunately things are amicable. We've also maintained everything 50/50, we've been living together as housemates for a couple of years, but at some point one of us will have to buy the other out. I'm kind of hoping that's what will happen rather than selling, even though selling would probably be better financially. I suspect the crunch point will be in around 18months when the fixed period runs out.

  • Check whether you actually have a 50/50 split of the mortgage, or whether you are jointly and individually liable for it.

    You're always going to be jointly liable on the mortgage. No mortgage lender is going to let you get away with only being liable for half the sum advanced under the mortgage. Not that I've seen in more years than I care to remember looking at and drafting mortgage T&Cs anyway.

  • I'm sure you're right. There was something that we were offered (by solicitor) that I guess just set out that we'd contributed 50/50, or something like that.

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