Own equity: €180k
Fiancée’s equity : 0
Father wants to sell his house for €500k
Daughter x €100k
Father: €100k
3 siblings €300k
Needed: €400k
Less equity: Mortgage required: €200k
That seems the best approach. That she buys the house on her own but it's not enough.
If you are married, I doubt you will get a mortgage.
But she won't get a mortgage of the €400k needed.
Is there any hurry? Does the father require the €100k up front or can he "lend" it to her?
It's messy, but could she owe her siblings the €300k?
She should set it up as full legal mortgage.
You pay the net proceeds of your house against the loans when you sell your home, and then make repayments after that.
Brendan