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You must have the lenders consent in order to transfer the registered title to the property. The lender will not allow this unless you are able to receive a mortgage offer in your sole name. You would then also be personally and solely liable for the mortgage repayments.
In view of the length of your marriage in the event of divorce there would be a presumption that each person take 50% of the matrimonial assets (including the house regardless of who is listed on the registered title of it).
If it appears as if you might divorce then you should see a local family solicitor generally about instructing them to act in you divorce to secure the financial settlement but initially about entering a home rights notice (if the property is still in his name) on the title. This will denote your right of occupation to the property to any would be purchasers your husband would seek to sell to.
Whilst the property is in his sole name he could in theory sell it because his signature only is required on the land registry transfer, though he should obviously disclose to a buyer that you are also occupying the property and their solicitor would ask that you sign the contract - he could in theory lie and say you did not live there, for this reason you might consider applying for home rights notice to be entered now. A local solicitor would be able to do this for you for around £100.00 + VAT.
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