In reply to Sam Beaton:
Is it 90k left to pay on the joint mortgage or was that the total amount? Could make a difference. A few years ago I was in a similar position. I dont recall that the outsdanding amount on my marital mormortg was an issue, just my out goings, which of course included that mortgage payment. The hardest thing was to convince the bank that they need not take her bulls into account when working out my outgoings, which they finally accepted. It's worthwhile speaking to a broker, but as I recall mortgages from some banks are not available via brokers. I can't remember all of which ones, but that was certainly the case with HSBC, who I ended up taking my mortgage with. The nearest deal the broker could find was a Chinese bank, and even the broker admitted that they were a nightmare to deal with. Hope that helps.