Your lease can be changed from a joint to sole agreement with the approval of Irwell Valley and your mortgage lender. This may happen if there has been a relationship breakdown.

If you have a joint mortgage, you will need to amend it from a joint to sole agreement. The party, which has been removed from the mortgage, will then be free from further financial obligations. As this is a legal amendment you will need to appoint a solicitor.

The land title will need to be re-registered and a transfer and administration fee will be payable. You should contact your Home Ownership Officer for details.