Hi, I own a property jointly with a friend on a tracker + 0.9% - he lives in it as his PPR I have not done so for years. AIB have finally agreed to let him take on the whole loan at market value effectively taking me off the loan and deeds. I have received conflicting advice from AIB as to whether I can take my element of the loan with me for my next purchase at +1% current rate. As there is no actual sale does it apply to my portion? Thanks!