Hi G_star, sorry for butting in on your thread but I was reading it with interest as I'm in a similar position myself, and I was wondering how you got on with UB? I've had a joint mortgage with my ex-partner since 2006. We split up in 2007 and I paid the mortgage on my own until 2012, and since then with my husband. I would really like to take my ex's name off the mortgage as he would like the opportunity to apply for a mortgage with his new partner, and I would like to have my mortgage in my own name/mine and my husband's names. It is a tracker mortgage and I'm not sure if UB will allow me to keep it. Btw the property is in negative equity by 120K.