I think you are confusing the end of a discount or fixed period with a time that you need to renew the mortgage, where you don't need to actually renew, the mortgage would move onto the standard variable rate.

As you are currently on the mortgage with your ex, you should also be able to find out why he is unable to take your name off when he is replacing it with a guarantor of his father. Most likely it is due to affordability (and his lack of a job). Your best bet is to talk directly to your lender (A+L) about what your options are. It may be best to arrange an appointment with all three of you (the ex, and his dad) to speak to someone at the local branch (if this is possible). I'd also reccommend bringing someone to support you (a friend, family member).

You can also seek some advice from your local citizens advice bureau. (www.citzensadvice.org.uk)

It may be possible to take legal action to force a sale, but most likely this would take a long time and there is no guarantee that this would leave you in a better position.

HTH

Sparky.

I have split with my boyfriend who I jointly own a house with. He has decided to keep the house on and has made an application for a transfer of equity to release me from the house/mortgage. His first application was refused as has his second leaving me in a position where I don't know what to do. My ex is unemployed so is wanting to add his father to the mortgage/deeds when i'm removed. i'm wishing to purchase a new property but am unable to due to still havin the current mortgage. My ex is now talking about changing mortgage lenders and buying himself out of the current 2 year fixed rate we took out. My worry is its already taken over 3 months to be told the application for the transfer has been unsuccessful and with the renewal date looming in december i need to ascertain a way of getting out of the situation without having to renew in december in joint names.

I am more than prepared for tha house to be sold and can see that as the only available option, where as my ex says he will never sell. His solicitor will not release after information to me as won't the mortagage lender (alliance and leicester). So i am left in the dark, i reluctantly have to contact my ex to see what the situation is who is so verbally abusive i hate contacting him. I did have a solicitor to complete the initial paperwork but am unable to afford one just for the sake of getting information from his solicitor.

Please help, i really am confused and concerned as I feel he has got to tied to a house that i don't want, i can't get my new mortgage and property and cannot see an end in sight!