I am divorced. House in my name. Mortgage in both names. I want to sell the house this year and build on a site - build something much smaller and be mortgage free or have a very small mortgage of 60k maybe. Ulster have the mortgage. Ulster have said it doesn't matter that I am divorced. This mortgage is due to transfer to AIB in Aug. Ulster are looking at deeming the mortgage unsustainable. Its a tracker and the payments are over €2000 pm. I want to sell the house asap but I am caught. There could be up to 200K equity in the house Cannot find a house to buy as they are all very big / over budget and the houses which are cheaper need a whole lot of work done to them ( more money ) - I am not reducing my debt by buying either of these houses. But need some way of building - quite happy to put a caravan on site while build is happening. My problem is finding the capital to buy site, get planning etc while still in my PPR