My solicitor has indicated that it's complicated; I'm waiting to hear back from the bank because the person I spoke to when I rang didn't know, but apparently I might not be contacted till tomorrow.
Has anyone any experience of this scenario, while I'm waiting?
There are some previous AAM threads here which may be relevant. From what I can recall from reading on AAM most people recommended not to do it as its too much hassle but perhaps things have improved over the years.