Re: What are my chances?
sparkle82 did you get the loan from the council, or from a bank?
If from a bank then it has nothing to do with the council anymore. It's like buying any other house, you wouldn't go back to the person/builder you purchased the house from to restructor your loan. It's all to do with the bank.
I think the OP is just wording things wrong when she say's deed's i think she means just to get her ex partner to have nothing to do with the house at all.
I hope you have had something legal drawn up, i'm asuming that the sum of cash, car and other valuables is in lieu of him having no financial hold over the house anymore.
The same process applys to an AH as that to any other house. For you to be the sole owner of the house you would need to apply for mortgage appoval in your name only. You can get this from the bank you orginally got the loan from or any other company. It's very likely that you wouldn't receive the loan soley in your name which is why i suggested you apply for loan approval with your current partner. You can by all means apply by yourself but i wouldn't be getting your hopes up about it.
Just remember by selling the AH you will never again be able to apply for this again and after sucha a short time you will have no equity built up in the house, the profit you make by selling it on the open market will all go back to the council.
If i was in your shoes i would stick with it for the moment, start saving what i could even if this was only €50 a month. Eventually in a few years time you and your current partner would be able to upgrade and move to somewhere else. Or you could use that money to buy a car for your self, even if it was just a little run around. I wouldn't worry too much yet about schools thats a long way off, you dont know where your going to be in 5 years time.
Congrats on the baby aswell....forgot to say that earlier.