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Thanks for the replies. I really appreciate it. I am earning that with the rental income but I was told back in 2009 that they would take that into consideration - I do have savings but I would prefer to keep them for renovations or for my deposit when trading up. That was my initial plan but...

Jointly bought house in 2006 (€317,500) and switched lender to Haven Mortgages in 2008 (€323,000) with a 40 year mortgage and a tracker rate (ECB + 1.1%). Split in 2009 (no contributions from ex since then). Balance outstanding: €269,000 (from next statement in April) Current value...