Rion, if your partners house is only in his name please do not put your savings into it. He should get in touch with MABS for advice. PTSB will argue a restructure on the loan loan for him, as it is a tracker mortgage. He should be entitled to Mortgage Interest Supplement from Community Welfare Officer, as his only means is Social Welfare but he must be currently living in the property, or has the property as his official address. If PTSB do reposess house and sell at a huge loss, your partner will still have the pay the negative part of the loan, which will leave him with a bad credit rating for many years. This is a horrible situation for him, but because its not in your name, you will not be affected legally by any result of any action taken. Keep your savings for the time being, especially with the expense a baby will bring. And when things improve in general, you will have a nice deposit for a house, (only in your name) and if your partner is still out of work you can return full time without child care costs. Best of luck to you both!