Hello all, I took out a mortgage in 2006 with my ex partner. We have 3 kids together. We unfortunately split up and she left the house about 2 years ago. I stayed on in the house – kept up mortgage payments on my own as much as I could but have been seriously struggling to meet the repayments on one wage now since the separation. Her name is still on the mortgage but she does not want to contribute and has no intention to going forward. There are currently 20 years left on the mortgage - at a rate of 4.5%. Im now in arrears of approx 5,000 over the past 2 years since the separation. I have been dealing with MABS for the past while now trying to get help to try extend the term and get a resolution of some kind. I am currently paying a reduced amount of approx €700 temporarily, the full repayment should be aprrox €1,100 which is about 50% of my income. Hopefully ill be earning more in the future which should make the repayments easier. I really don't want to let the house go as its on family land so want to do anything I can to keep it for the kids. Ive thought about renting a room but very hesitant with the kids so young still. Anybody been in a similar situation? Any advice or thoughts appreciated. Thanks all.