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A good solicitor will advise you of what you can do to get the ball rolling. Trust me, it will be money well spent as I've been through the process and it was very stressful. If there's €10k equity in the house your ex would only be entitled to 50% of that but only if you had both contributed...

+1 for Padraic Kissane, especially if you're just coming into this news now. Don't go to a solicitor, they aren't as familiar with the tracker situation. My other half was in a similar situation to you and he went to a solicitor who was clueless, he ended up paying money over to the solicitor...

I'm with a different health insurance company, not sure if I'll be taking any holidays for a while but if I do I'll try that route. Thanks for the suggestion!

I did try that route and was told I'd have to wait 5 years after the cancer diagnosis before they'd look at me. Then when I mentioned the heart issue that is still awaiting a formal diagnosis I was told that they likely wouldn't touch me at all. It's even impossible to get travel insurance! I'll...

Thank you both for your replies and good wishes. I suspected there weren't too many options other than savings. I shall try and keep the piggy bank topped up so! Very grateful to be in a fairly good financial position at the moment, just worried about the future I guess.

Age: 38 Spouse’s/Partner's age: N/a Annual gross income from employment or profession: €50,000 Annual gross income spouse: N/a Monthly take-home pay: €3,000 Type of employment: Public service Expenditure pattern: Fairly frugal. Good saver, no loans aside from mortgage. Rough estimate of...

The only way to move this forward is to talk to Haven or one of their intermediaries. If they won't let you keep the tracker then look at other options - new mortgage with another bank and buy him out or sell up and buy elsewhere if you can afford it on your own. If you still want to go ahead...

It's a tough one. EBS would not let me keep the tracker so Haven will probably take the same stance. I don't think they will allow rental income if they are stress testing you. You would probably need to be earning around €75k to qualify for a mortgage in your own name for that amount. If you're...

Your friend really needs to get legal advice. The brother has a right to move back in even if he hasn't contributed to the mortgage unfortunately if he is named on the deeds. As for forcing a sale, I believe it's an expensive process so mediation would certainly be a better option if he will...

Is your ex happy that you buy him/her out? Have you made any agreement with him/her in relation to what they will walk away with if there is little or no equity in the house? Until you are both in agreement on these things it's difficult to see what route is best. Probably no harm talking to...

I don't want them to give both of us the full tracker amount each, I would like to see them reinstate the tracker to the person who was supposed to be keeping it (as per their policy, not their obligation). If they can contact me to say they've made a mistake and they're rectifying it I'm sure...

Thanks for your response Brendan and apologies for not making that point clear from the start. I understand that I don't have any right to reinstatement of the full tracker. I created this thread hoping that someone else may have been in a situation similar to mine. I know my situation is very...

https://www.askaboutmoney.com/threads/aib-returning-trackers-to-borrowers-who-changed-names-on-the-mortgage.201650/ Would the situation outlined in the thread above not be similar to my case?

He has taken his half of the tracker to buy a house.

I had a split mortgage after the buy-out, one part on tracker plus 1% and the other part on SVR. They have put the tracker mover portion back to the original tracker rate but the SVR portion remains the same.

Thanks for your reply Brendan. I understand that they were not obliged to do any of this however it was their policy at the time I first enquired to allow the person remaining in the home in a buy-out situation to retain the tracker (according to the branch I dealt with). Their policy apparently...

I bought out my ex in 2015 and EBS originally agreed to let me keep the tracker when I spoke to them about taking over the house and getting a new mortgage in my own name. When I had all my ducks in a row (just a few months later), I went back to make a formal mortgage application in my own...