I don’t know you’ve been talking to at the mortgage company but even if this goes to court, the court will not and cannot order you or him removed from the mortgage. They can order him removed from the deeds but not the mortgage. It is entirely up to the lender whether he is removed from the mortgage or not.
He is entitled to some money and if you can’t agree on how much he gets than the property gets sold.
What you offer is a mathematical calculation which should be based upon the Deed of Trust.
All the mortgage capital repayments (but not interest) you have paid since she left and any repairs and improvements that you have made which have contributed to an increase in the value of the property should be taken into account although bear in mind that if solicitors are involved, at GBP250 per hour, any disagreement over a couple of thousand pounds is soon going to pale into insignificance compared to the legal costs of the argument.
I would start by getting the average of three local valuations
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