Q – Ten years ago, my mother who is now 69 guaranteed my mortgage – I was somewhat short of the required income level then but the bank insisted she be put on the mortgage. Even with a recent salary reduction, I am nearly at the level where my own income now is sufficient for the mortgage while I also have savings that could reduce my mortgage to even more acceptable levels. I now want to take my mother off the loan while my mortgage is also on a fixed interest rate with my bank. What’s the best way to proceed with this ? Jimmy – Blanchardstown Dublin 15



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