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Hi welcome to Justanswer. As joint owner you are liable for half the mortgage payments. However if you cannot afford this then you would need to consider having your name removed from the property either by transfer or sale. You need to put in writing that you cannot afford to pay the mortgage and if the payments are not affordable to the other party then the house will need to be sold. You need to also make it clear that you will make a referral for mediation. Mediation is a prerequisite of any court application and if mediation is not successful then you can make an application to court for the sale of the property. To find a suitable mediator please go to http://thefma.co.uk.
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