Q I would like to know who has more rights to the property that both my wife and I still occupy but may not for much longer as we are going through a crisis in our marriage. Back in the 1980s I took out an endowment mortgage and paid for all the premiums for the endowment policy and all the mortgage interest payments. A number of years later, I got a joint mortgage with my wife but again paid for the whole of the mortgage. The mortgage is now paid off with a combination of the monthly mortgage payments, the proceeds from the endowment policy on maturity and an early retirement pension. The marriage is under extreme pressure at the moment. All the kids are grown up and only one of the three remains at home. Should the marriage fail there may well be a messy business of who owns what and who is entitled to what and it crossed my mind – as far as rights go – who has more rights over the house? Is it a case of a 50/50 split because of the mortgage being in joint names? Or do I have more rights over the… Read full this story
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