Mortgage advice

lizS78

This is my first post so not sure if I’m doing right thing. 

I currently have mortgage with my ex which has £104,000 left pay £420 a month. House estimated at £220,000. I currently have loan which has £9980 left for approx 2 1/2 years left at £288 a month and credit card with about £8000 on it. I earn £33000 a year. Currently don’t have any spare cash each month therefore using credit card. If get rid of debts would be approx £450 better off a month. 

I would like to get an extension to allow for bigger 3rd bedroom as children getting bigger. 

So do I try to get ex off my mortgage and go on my own but that will probably mean no extension. 

Do I look at getting more equity on my mortgage for extension and to clear all my debts or can I leave mortgage as it is and then get large loan for extension and debts?
thanks 

Thrugelmir

Is all the equity in your property yours? 

lizS78

Thrugelmir We agreed that he would get 33% once we sold or I could buy him out.