Hi can anyone offer advise I have a mortage with EBS in joint names. I want to apply to get a mortage to buy my wife out, but we have 3 missed payments( not in a row) due to basic non communication re finances as we are under the same roof still and relationships are not good. I m terrified in case i m black listed or if I go to another institution that they will ask for my mortage statement and i ll be turned down. I m a sales manager with a bright future at 43 yrs and earn 85k with 15 years service. Bank account is always stressed too. Do they take account of such circumstances? I feel they have a terrible grip on me any help would be great.