Plan on at least two years.soon to be ex spouse
Need consent from both partiesAsking if the bank would allow a payment holiday on mortgage.
Switching to lower rate or another bank.
Verifying if you can extend the current term of the mortgage (e.g if due to past or current overpayments you are now set to repay it ahead of contractual term, you could reset payments to pay it back based on contract term.)
If ex continues to default I will suffer negatively with CCR report
House wiill most likley be sold under terms of divorce but as ex not engaging this may take a billion years.
If you are paying other maintainance values on top of your half of the mortgage I would stop that and pay the full mortgage.
That is useful information.The interesting part it is they said if he is persistent in refusing to engage that the bank can enter into a restructure with me only
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