Need help with holding onto home!!

[Gary 23]

Hi I was wondering if anyone could help me with my situation.
Last year i bought a home in portarlington with my girlfriend. We were both first time buyers. A year on things have changed and we have split up. i would like help in holding onto the home myself. she appears to have no interest in the house and i would like to keep it myself.
The situation is as follows the mortgage is 218000. there is also a loan of 20000 with both of our names on it. The mortgage and house bills have both been coming out of my personal account since we got the house while she payed for the loan.
I have just changed jobs to a more higher paying position in another company. My salary has been raised from 2000 euro gross per month to 2500 euro gross per month. I just started last week. There is a standard probationary period of 6 months.
I would like some advice as to how i can hold onto the home as i have put all the effort and expense into it and she appears to have no interest in it.
Please Help!!!

Regards
Gary

 

[Welfarite]

Maybe post this in Money Makeover? it's not clear from ytour post what help you want! are you having problems paying bills? Is she still paying the loan off? Is it in joint names?

 

[Maggymay]

Hi, Try this google search for general advice/info. Your situation is probably not unique!

Google splitting with a partner and buying out the mortgage and confine the search to Ireland only

Some reasonably good articles came up from NC Mortgage brokers and I've included links here. Now I have nothing to do with that company, so am not endorsing them in any way, but the general info seems sound enough on first glance.

Breaking up is hard to do with a home
http://www.ncmortgagebrokers.ie/Default.aspx?template=968e3080-e8a1-43d9-9d6d-86f40d62b0f5&article=2a94e89d-abef-4f8f-a899-0602bfe48857
Buying out your partner is not as daunting as it seems
http://www.ncmortgagebrokers.ie/Default.aspx?template=968e3080-e8a1-43d9-9d6d-86f40d62b0f5&article=2a94e89d-abef-4f8f-a899-0602bfe48857

Regards,
Maggy

 

[Gary 23]

Sorry for not making myself clear.
she is paying the loan and the bills and mortgage are not a problem for me.
I just need advice about how i can take sole ownership of the house and what are my chances of getting the house transferred into my name based on my personal circumstance?

Regards
Gary

 

[slinky]

Went thru this in the UK. If similar here, you will need to apply for a mortgage based on your income and go through some limited conveyancing to transfer the deeds to your name. All costs money, solicitor and valuation fee from mortgage company, plus the fact that it will be a new mortgage means you may be charged a higher rate of interest.

Don't go for just her leaving and you taking on the mortgage unofficially, later in life you will have a pain in the ass trying to get her name off the deeds and she will continue to be entitled to a portion of it, until you do.