Problem with Equity

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seanocasey

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Unusual problem cannot find an equivalent question.

My problem is
Separated ex and I get 50% split in house.
Mortgage left approx €40000

As I am recently now disabled ex would like for me to keep house till property values increase again and allow me to conduct my new business from house. Also to allow me to get on my feet financially again.

What ex. problem is she can not get an affordable house because of points system is also based on our mortgage or her having equity in house.
Is there a way for her to retain her equity or transfer to loan to me? That I have to payback to her on retirement age. In say 10-12 years time

Or transfer it to something else.

At the moment I will not get a mortgage as I am on invalidly allowance.
 
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