She is not married but his name is on the twins birth certificate. She earns £21000 per annum and the mortgage I believe was about £89000
Not sure what you mean by transfer of equity. It is likely to be in negative equity as stated.If she is going to be struggling to pay the mortgage alone surely a loan will make this even more of an outlay ??? It was a no deposit mortgage and it is unlikely that the lender will let her take it over on her salary.
It does not take an expert to know that aged 3 twins will require childcare. I don't wish to continue as you have been no help at all.