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Thanks for your question. I will try to help.
First of all, if you and you partner presently hold the house jointly (as joint tenants) then each person's share would pass to the other upon death regardless of any direction made in any Will. If this is not what you want then you should sever the joint tenancy by using Form SEV from the Land Registry (you will have to send it to them and if you have any questions about completing the form you should call their customer service number - they are very helpful):-http://www1.landregistry.gov.uk/publications/?pubtype=49
If you cannot get a mortgage from your current lender or from another lender then you cannot reportage. This means that her name will remain on the property until it is sold or until you can get a mortgage offer and reportage.
At this point, if she took advice then she would be told that she can apply to court for an order for sale. Ultimately, this order would be made by the court and you would have to sell the property but you can string out proceedings on the basis of the correct valuation for the purpose of a court ordered sale.
However, if she does not take advice or actually apply to court for an order for sale then things would stay as they are.
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