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Hi, thank you for your question. Just a bit more information required to fully assist you:
-Is the property owned as joint tenants or tenants in common, if the latter in what shares?
-Are there any formal agreements or deeds of trust in place?
-What is the value of the property and outstanding mortgage?
Did you sign any formal agreements between each of you, or a deed of trust outlining you would be entitled to the extra £5000?
Thank you. The legal position, unfortunately, is that you are both entitled to an equal share of the property in accordance with how you hold the title - therefore 50% each, despite the unequal contributions to the deposit. However, given there was a verbal agreement and intention that you would receive £5,000 in accordance with your increased contribution you would be in a position to apply to court to seek this if she does not agree - this can be done using form N1 and a £355 court fee.
In relation to the remortgage costs, as you are seeking to do this to release her name and her liability from the current mortgage, it would be reasonable to seek her payment of a share towards the costs of transfer.
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You can attempt to agree for the full amount - as her liability for the mortgage is ending it would be reasonable for her to share the early repayment charge.
Thank you. I hope it goes well. If you have any questions in the future you can ask for me directly by starting your question For Harris