Joint mortgage - Negotiation with AIB

Hi I would like to get some advice on the following:

Joint mortgage - separated - 1 child - family home
Value of Mortgage €230,000
Arrears: €30,000
Tracker rate: 0.95%
Judgement against family home: €70,000 BOI ex hus business loan
Value of House: €150,000 ?-
Paying interest only - €150.00 per month
Repayments should be around €1000
According to SFS submitted : I can pay €586 per month includes maintenance of €325.00 per month which I only received €200.00 this month.

There is planning issues with the property - boundary incorrect and roof issues which could cost in the region of €10k to rectify.

The problem is my ex hus has other large debts with AIB. He also restructured our mortgage against business loans in the region of €115,000 a number of years ago. I know I signed for it and I know we are jointly and severally liable

They are suggesting parking some of the debt and extending the term of the mortgage until I am 67 and use my pension to pay off rest. I am due to retire at 61. When I queried what I would live on AIB have stated that I should sell the house when I retire. This was over a phone call.

This is the problem they are not chasing him they are dealing with me as I am living in the family home. He is self employed. I don’t really know if I want to live there as it is beside his family.

It would possibly cost me around €550.00 per month to rent.

I have asked them for the following:
I want the business loans of €115,000 to be written off and to extend the term of the mortgage until I am 61. I want my husbands name removed from the mortgage and to retain my tracker and credit rating.

My solicitor is now involved and I don’t know what to do. It is a total mess.
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They really won't listen to this type of proposal. This is quite a complex position and given the joint ownership and negative equity in the property you will find it very difficult to come up with an agreement acceptable to the bank. their proposal re paying off the mortgage from your pension is not in your interest. However if they come up with a repayment arrangement that is equal to or less than you would pay in rent for a similar property it is worth considering. The alternative is to look towards insolvency or stay in the property until the bank re-possesses it. Get some expert external advice if you can. I have found MABs and New Beginnings to give poor advice but this may be just bad luck with the wrong person.