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Hello. Thank you for the question. It is my pleasure to assist your with this today.
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Can the ex who is staying in property afford to remortgage in their own name?
There is nothing legally to stop the property being in joint names and the mortgage in one name or the mortgage in 2 names in the title deed being in 1 name.
Any combination you like.
However you need the consent of the lender to do that. Simple as that.
It comes down to what the lender will and will not lend on.
Thank you for letting me assist you with your legal question. I am glad that I was able to help.
I am not certain whether that answers the question for you or not, but I am happy to answer any specific points arising from this.
It will be my pleasure to help you again either further with this or any future questions you have