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Almost impossible to work out as there are 2yrs+ of mixed use. Going back to the milk & juice analogy (or milk and urine :eek:)... What you're saying is start fresh. Go to the bank and swap the milk/juice cocktail for jug of milk and jug of juice, completely separated. Pay off the orange...

Thanks Jess. I did say it was messy :(

My missus is in a tricky/messy situation. The figures below aren't exact but portrays her situation. A few years ago she purchased IP1 for 500k. Instructing her broker to get her the best rate possible, she acquired a loan larger than the purchase price of IP1 by getting her mum to cross her...