Firstly, do you have any equity? Secondly, you won't be able to remortgage so it may be as well to continue on for the extra year.
You will have a restriction your house lodged at Land Registry. You may find you are worse off if you try and sell, and, unless you are thinking of renting, a mortgage won't be available until your credit rating is sorted.
Your husbands rating will be also compromised because of your joint financial record even though he doesn't contribute.
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