Hi All 3 years down the line -guessing traveling went well - is there an update on what happened. I am in a similar situation - My ex disappeared 3 years ago - does not want anything to do with the property - I was initially living in it for the first 6 months of the split where she made my life hell - so on mutual agreement the property was rented out, agreed if no tenants were in the property she would cover halve of the costs including all maintenance, this didn't happen - which resulted me having to move back to my parents house as I couldn't afford to pay rent and a mortgage. 6 months ago I decided to move back into the property as tenants I had got in eventually, gave their notice and I used this as an opportunity to move out of my parents house. My ex is unaware I am back in the property and guess if she knew would turn up every day mouthing off. During the period the house was rented it was on the open market but no buyers for the price I was asking for - again the house is in neg equity. My situation being different is that I can afford the payments however I am not happy to continue with the current situation. I have approached the mortgage company (RBS) to see if I can take my ex's name off the mortgage but stay on the same product initially I was told that is not a problem and it would just incur a £150 fee - but I need her signature - I have written to her which she has ignored (probably as I have had debt collectors chasing her for the money she said she would cover ). My next point of call is a solicitor however I thought I would call RBS to get something in writing from them before I throw more money away. Where I have now been told I need to go through a mortgage approval myself and it is not just a simple case of removing a name. I have researched this a little and have noticed lenders are very reluctant to remove a name as they see 2 people to go after any debt is better than 1. A couple of questions - what are the chances this will be rejected? I have never missed a payment my credit history is excellent, however the house is in neg equity - I do not have enough savings to throw at the mortgage sort of regretting spending £5k on improvements 4 months ago now. I have used online calculators to see how much I could borrow on my wage these come out around £20K short of what the mortgage is however if I remove the loan I have (£227pm) only 12 months left they only fall 5K short. How accurate are these calculators will they look at this. My thoughts on this are "computer says no" I have manage to afford this and I can afford it, I would be trying if I couldn't. So do the lenders look at you in a better light and make a decision on the fact I have paid this. My mortgage is currently interest only and I have been told I can stay on the product as long as I have an ISA in place. Now I'm pretty money savvy, ISA's are paying rubbish rates and I didn't want to fix my money in for x amount of years so I moved my money last year into a current account with better rates. I still have an ISA but only pennies in it - Now would the lender ask how much I have or will they just ask do you have an ISA in place. I do not wish to go on a repayment at the moment as the interest rates are really high for the LTV - so my future plan is to over pay - but I am not willing to do this at the moment while my ex is currently on the mortgage. If I get rejected I am seriously thinking of walking away - but my concern is that is is not a 50/50 split in the debt. If I continue as I am my concern would be when the house is in profit my ex would also be entitled to this after I have spent thousands on getting it to that point and I don't see how that is fair. Any advice would be much appreciated as I would like another pair of eyes over my situation I feel like I am just going round in circles with this and my goal for 2014 is to resolve somehow. Thanks Andy