I am wondering how easy it is to remove a third person from our mortgage. The situation is my father is named on the mortgage as well as me and my husband as this was the only way we could get the mortgage we required in 2007. The mortgage is paid by myself and my husband but there is 2 life protection policies to cover the mortgage a joint one for me and my husband and a separate one for my father. The 2 policies were required by Start Mortgages and my father pays his own one. My father is due to retire in January and his only income will be the state pension, he is also planning to move to spain to my sisters, currently he lives with me and my husband. Basically we want to get him taken off the mortgage so that it he can stop the life protection policy which costs him almost €200 a month. I am not sure how to go about this or how easy it will be, the mortgage is in negative equity at the moment so moving away from Start Mortgages is not an option.