Just on the arrears, are you saying that if I sell the house I only need to reach the capital figure? .. not both the capital and arrears added together?
This is quite a confused situation. The matter of how much is owed on the mortgage, at least, should be a simple question.
Your ex owns half the house and owes the mortgage. It would be very difficult to remove her without her agreement. Even with her agreement, it would be unwise of the council to agree to allow her to be removed from the mortgage. After all she owes them €150k or is it €180k why should they agree to let that go.
What do you want here. If you were clear about that you might be able to work towards it.
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