Hi. Appreciate the advice, as I will be the one paying I was trying to avoid 2 solicitors but I understand your reasons. So if I lead as you say and let us assume that my solicitor and her solicitor are in loop that I will be paying off the mortgage in full so as to remove bank from the equation how would this play out. Reason I dont want bank involved is becasue we want it done straight away and with no fuss of banks and paperwork etc.She needs her own solicitor. No solicitor should take it on for both (I’m a solicitor and while I don’t do this area of law there are very clearly conflict of interest issues here). You can lead though. You get your solicitor to draw up the paperwork, deal with the bank etc.
I’d give her the principal back, for the reasons stated above very eloquently. Especially if the house has increased in value. I’d meet her, look her in the eye, agree how you are going to do it, shake her hand on it and hopefully it will stay amicable.