Remortgaging a joint mortgage before a breakup?

Bjn201_2

Hi

So i jointly own a property at 45% LTV, with a 10 year fix. I pay all the mortgage (she's put in half in cash).
Me and my girlfriend are breaking up, i want to buy her out.

I could comfortably afford the monthly repayments at 80% LTV (however the most i could get per the bank's calculations would be 60% on just my salary but fine if i can include her salary too)

So could i not remortgage on a joint mortgage up to 80% = extra cash in the bank, then buy her out (i have cash to find the balance)? Then simply do a transfer of property title deed ownership via lawyers?

Will the bank refuse and / or reduce my mortgage as i can't according to their strict calculations afford it anymore (even though i will continue with the repayments?)

Thanks
Ben

Thrugelmir

Not your property to reassign it's the lenders. Until the mortgage is discharged. You are powerless.

Bjn201_2

But if i am just buying someone out (paying them cash from remortgaging proceeds) to take ownership of 100% there is no change in the LTV.

I guess my question is do the bank reassess affordability when someone gets bought out?