Not sure whether to post this here or in property law, please move if in wrong section thanks.
My wife bought an apartment right before we got married, everything is in her name. I have made joints payments (50/50) on all expenses, mortgage payments etc towards it since she bought it. I asked her early on in the marriage if she would put me on the mortgage since I was paying for half of everything. She agreed, we signed the forms and she told me she sent them off. For reasons I won't go into (cause it is a long story) she never did, so I am not on the deeds or mortgage, and she lied to me about it. We are past that now. We have since bought a house together, jointly in every way.
We are now trying to get better deals with other lenders. The lender said they will move both mortgages across, and my wife has been dealing with it all (its the company she works for). She just "assumed" and told them that I would go on her mortgage. I was livid that she "ssumed" especially considering the deception she pulled on me in the past. The way I see it, it is a risk for me to go on the mortgage now and there is no real benefit for me to do so, anymore. If I put my name down, no matter waht happens in the future I am now liable for those payments, and if things don't work out she could use this as leverage against me. I know I shouldn't be thinking this way, and I don't need a lecture on it, but TLDR version we have some issues and I just need to protect myself. I am unsure EXACTLY how this works though. Can anyone advise what pitfalls I need to look out for and is there any reason advantage to putting my name down now?
My wife bought an apartment right before we got married, everything is in her name. I have made joints payments (50/50) on all expenses, mortgage payments etc towards it since she bought it. I asked her early on in the marriage if she would put me on the mortgage since I was paying for half of everything. She agreed, we signed the forms and she told me she sent them off. For reasons I won't go into (cause it is a long story) she never did, so I am not on the deeds or mortgage, and she lied to me about it. We are past that now. We have since bought a house together, jointly in every way.
We are now trying to get better deals with other lenders. The lender said they will move both mortgages across, and my wife has been dealing with it all (its the company she works for). She just "assumed" and told them that I would go on her mortgage. I was livid that she "ssumed" especially considering the deception she pulled on me in the past. The way I see it, it is a risk for me to go on the mortgage now and there is no real benefit for me to do so, anymore. If I put my name down, no matter waht happens in the future I am now liable for those payments, and if things don't work out she could use this as leverage against me. I know I shouldn't be thinking this way, and I don't need a lecture on it, but TLDR version we have some issues and I just need to protect myself. I am unsure EXACTLY how this works though. Can anyone advise what pitfalls I need to look out for and is there any reason advantage to putting my name down now?