Joint mortgages can be used as a “weapon” by domestic abusers against their current or former partners, a charity has warned.
A report by Surviving Economic Abuse (SEA) said survivors of domestic abuse have been left with mortgage arrears, low credit ratings, and housing and economic insecurity.
At times, they said abusers have made their victims homeless by refusing to pay, agreeing to new terms, or selling up a joint mortgage.
One woman told the charity she is still in a joint mortgage with her former husband despite leaving him a decade ago.
“I can’t sell the property without his permission and, at any point, he can use his position to stop me from making mortgage repayments by withholding child support payments,” she said.
“Me and my children remain trapped in a mortgage prison with no way out.”
Sam Smethers, interim chief executive of SEA, has now called for new laws to protect victims and for financial services firms to make it harder for perpetrators to use joint mortgages to cause harm.
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“Mortgage abuse is a hidden crime that’s destroying the lives of hundreds of thousands of survivors,” he said.
“Right now, banks are limited in what they can do to stop abusers from causing a lifetime of debt and homelessness for survivors.
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“While banks can do more to support survivors within current rules, only an urgent law change can stop abusers from destroying lives.
“We urge the government to set up an economic abuse task force to prevent abusers from weaponising joint mortgages.”
The report – called Locked into a Mortgage, Locked out of my Home – referenced a survey by Opinium of more than 1,000 women who had a joint mortgage, carried out in the last two years.
It found 78% of women who experienced mortgage abuse from a partner felt unable to leave for fear of an unsafe living arrangement.
One in eight women – or 12% – said they experienced at least one aspect of abuse, and nearly half – 49% – said they had to cut back on essentials to cover their mortgage repayments.
Nine in 10 said their mental health suffered as a result of mortgage abuse, with 89% of respondents saying they experienced anxiety, depression, panic attacks or suicidal thoughts.
Fiona Turner, head of vulnerability policy at UK Finance, said: “We know that more needs to be done with support from regulators and government.”
She added UK Finance has recommended mortgage lenders “review their policies to allow more flexibility when a victim-survivor is dealing with issues around an existing joint mortgage as lenders must currently show an equal responsibility to both borrowers”, and said a government task force is needed to address legal issues for lenders.
A government spokesperson said: “We recognise the devastating impact financial and economic abuse can have on victims, which is why this year we are providing £200,000 to Surviving Economic Abuse to raise awareness and support victims.
“The numbers in this report, which we are now considering, are stark and show how vital our mission to halve violence against women and girls in a decade is.”
The UK will “set out a plan” to lift defence spending to 2.5% of national income in the spring, the prime minister has said, finally offering a timeframe for an announcement on the long-awaited hike after mounting criticism.
Sir Keir Starmer gave the date during a phone call with Mark Rutte, the secretary general of NATO, in the wake of threats by Moscow to target UK and US military facilities following a decision by London and Washington to let Ukraine fire their missiles inside Russia.
There was no clarity though on when the 2.5% level will be achieved. The UK says it currently spends around 2.3% of GDP on defence.
A spokeswoman for Downing Street said that the two men “began by discussing the situation in Ukraine and reiterated the importance of putting the country in the strongest possible position going into the winter”.
They also talked about the deployment of thousands of North Korean soldiers to fight alongside Russia.
“The prime minister underscored the need for all NATO countries to step up in support of our collective defence and updated on the government’s progress on the strategic defence review,” the spokeswoman said.
“His government would set out the path to 2.5% in the spring.”
The defence review will also be published in the spring.
While a date for an announcement on 2.5% will be welcomed by the Ministry of Defence, analysts have long warned that such an increase is still well below the amount that is needed to rebuild the armed forces after decades of decline to meet growing global threats from Russia, an increasingly assertive China, North Korea and Iran.
They say the UK needs to be aiming to hit at least 3% – probably higher.
With Donald Trump returning to the White House, there will be significantly more pressure on the UK and other European NATO allies to accelerate increases in defence spending.
Snow, rain and strong winds are expected to disrupt travel plans and potentially cause flooding as Storm Bert hits the UK.
Several weather warnings are in place, while 16 flood alerts have been issued – warning flooding is possible – in England and Scotland.
Most of the UK is affected by yellow warnings for either wind, rain or snow, with a slightly more severe amber warning covering parts of northern England and central Scotland.
Two areas of Ireland have been issued a rare red warning for heavy rain until 10am.
London, East Anglia, Birmingham, Manchester, Liverpool, Hull and swathes of the Midlands are the only parts with no current warnings in place.
Met Office meteorologist Aidan McGivern described a “multiple hazard event” going into Saturday morning.
“We’ll see two to four hours of heavy snow across parts of northern England and Scotland during Saturday morning,” he said.
“This snow will accumulate thick and fast, with five to 10cm at lower levels and as much as 20 to 40cm over hills accompanied by strong winds.
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“You can expect blizzards over hills across northern England and Scotland, atrocious conditions for travelling and going over the hills and also the risk of power interruptions because of snow build up on power lines.
“So all in all, a multiple hazard event as we go into Saturday morning.”
Temperatures will rise quickly as the storm brings milder air from the Atlantic, he said, resulting in a “rapid thaw” by the afternoon.
Where the warnings are and when
South coast – A yellow warning for wind is in place for the entire south coast of England from 3pm until 9pm, with a slight chance of damage to buildings and power cuts.
Southwest – From 6am, a yellow warning for rain is in place in the southwest of England, from Cornwall up to Oxford and stretching to Portsmouth. This is in place until 11.45pm.
Wales – Heavy rain is likely to cause some travel disruption, particularly in South Wales, with a yellow warning across the country lasting 24 hours from 6am.
Northern Ireland – A yellow warning for rain and snow kicked in at midnight and lasts until 11am, likely affecting journey times on roads and rails.
Midlands, north and Scotland – A yellow warning for rain and snow reaching from Stoke and Nottingham up to all of Scotland started at 4am and stays in place until 9am. Manchester, Liverpool and Hull are not affected.
Southern Scotland – An amber warning for snow starts at 7am and ends at midday, covering the Pennines, Yorkshire Dales and some southern parts of Scotland.
Central Scotland – Parts of central Scotland can expect some heavy snowfall, with an amber warning for snow and ice from 7am until 5pm over Aberfeldy and surrounding areas, northwest of Perth and Dundee.
East and west coasts – From 5am until 7pm, a yellow warning for wind covers the entire eastern coasts of Scotland and northern England, down to Grimsby.
The same warning covers much of the western coastline from Wales up to northern Scotland, though Manchester and Liverpool are not included.
What the weather warnings mean
• Yellow – people are advised to check the details of the forecast and consider extra steps to minimise any impact, while disruption is likely, particularly for travel; • Amber – disruption is more likely and more widespread and people are advised to change plans impacted by weather; • Red – reserved for very dangerous weather that can pose a danger to life and cause substantial travel disruption.
Travel disruption
While airports are not expecting disruption, rail companies have announced service changes over the weekend.
In Scotland, there will be speed restrictions on the West Highland Line, Highland Mainline, Stranraer Line, Glasgow South Western Line, Far North Line, and West Coast Mainline between Carstairs and the border.
ScotRail has also withdrawn services from Inverness to Elgin, Aberdeen to Inverurie, and Glasgow Queen Street to Oban.
The TransPennine Express, meanwhile, “strongly” urged customers not to travel north of Carlisle on Saturday and Avanti West Coast advised against travel north of Preston.
Two people detained during a security incident at Gatwick Airport have been allowed to continue their journeys after a suspect package saw a “large part” of the South Terminal evacuated.
The terminal was closed for hours after the discovery of a “suspected prohibited item” in a passenger’s luggage sparked an emergency response. It reopened at around 3.45pm.
Officers from the EOD (Explosive Ordnance Disposal) team “made the package safe” before handing the airport back to its operator, Sussex Police said.
Their statement continued: “Two people who were detained while enquiries were ongoing have subsequently been allowed to continue their journeys.
“There will remain an increased police presence in the area to assist with passengers accessing the South Terminal for onward travel.”
The force also thanked the public and airport staff for their patience while the incident was ongoing.
Earlier the airport, which is the UK’s second busiest, said the terminal was evacuated after a “security incident”.
“The earlier security alert has now been resolved and cleared by police,” it later said in a statement on Friday afternoon.
“The South Terminal is reopening to staff and will be open to passengers shortly.”
Gatwick said some flights were cancelled while others were delayed.
It said passengers should contact their airlines for any updates on flights.
Footage on social media taken outside the airport showed crowds of travellers heading away from the terminal building.
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“Arrived at London Gatwick for routine connection. Got through customs to find out they’re evacuating the entire airport,” one passenger said.
“Even people through security are being taken outside. Trains shut down,” another passenger added, who said “thousands” of people were forced to leave.
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Another passenger said people near the gates were being told to stay there and not go back to the departure lounge.
People outside the airport were handed blankets and water, passengers told Sky News.
The airport said its North Terminal was still operating normally.
Gatwick Express said its trains did not call at Gatwick Airport during the police response, but the airport said trains would start calling there again once the terminal was fully reopened.
More than 600 flights were due to take off or land at Gatwick on Friday, amounting to more than 121,000 passenger seats, according to aviation analytics firm Cirium.