Hi, I am sorry to say that if your mortgage is paid jointly and is your home is owned jointly by you and your girlfriend, if you are made bankrupt, the equity you own in the house will need to go towards paying your creditors.

It will be possible for your girlfriend to offer to buy your equity in the house from the Official Receiver.

Another related question and answer is: bankruptcy, will I lose my house?

Have you considered other debt solutions like an IVA. Here you home would be protected as long as you keep up repayments.

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