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You could potentially switch from a repayment to an interest only mortgage in December (ideally one without a minimum term or any fees etc). Makes things slightly more simple in that you're saving a bit of money and leaving the property 50/50 rather than gifting some equity as you might be if you were repaying the capital too.
duncs
Thanks for all the advice so far. As expected lfgss always delivers in times of need. It's very helpful, so thanks.
Unfortunately I don't think rental is an options as the mortgage is too high, so I don't think we could change to a BTL mortgage, the rental income would be lower than what we currentky pay which as far as I understand would preclude this.
I also would like to buy somewhere new myself, for several reasons not keen to stay on here and buy her out, but as I'm self employed I would need to wait until next April for the end of the tax year statements for the new mortgage purposes. So that also lends to the spring sale to avoid an interim letting situation, although i do have options with friends if needed.