Jointly bought house in 2006 (€317,500) and switched lender to Haven Mortgages in 2008 (€323,000) with a 40 year mortgage and a tracker rate (ECB + 1.1%). Split in 2009 (no contributions from ex since then). Balance outstanding: €269,000 (from next statement in April) Current value €200,000-€230,000 I hope the above information above helps give context. I am trying to get my mortgage/title deeds transferred into my sole name and I seem to be falling at the first hurdle. I called Haven to request a contact name to address my proposal to and they wouldn't supply so I contacted them again via email and they sent a letter out to me to say that I will need to go through an intermediary and apply for a new home loan. I would have hoped, as a current customer, they would at least be obliged to communicate directly with me as they have done in 2009 when I notified them of the change in circumstances. My goal is to retain my tracker, upgrade the house and then trade up in a couple of years availing of their tracker retention plan option (new 'tracker' home loan with an additional 1%) which can only be availed of once. My question is do I have any chance of getting a name removed without taking out a new mortgage and losing my tracker? My income (including rent-a-room) is above 3.5 times the remaining balance (my sole income now surpasses the joint income that gained initial mortgage approval), I am in solid permanent employment with a large FS company, my credit rating is perfect, I have a faultless track record maintaining mortgage for the past 9 years, I have income protection insurance, renovations will increase property value and my ex has agreed to sign documentation to relinquish his rights. I am wondering if anyone has had similar situations that proved successful? Or if there are any suggestions of actions I could take to resolve (financial advisor, solicitor, agencies etc.) Or is this just an opportunity for Haven to get a tracker off their books? Apologies if the above is long winded. I'd really like to get it resolved before the house goes into positive equity as this could be a motivating factor for my ex to change his stance.