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Check whether you actually have a 50/50 split of the mortgage, or whether you are jointly and individually liable for it. I also bought with an now-ex, and in theory we're each liable for the whole thing if the other stops paying - fortunately things are amicable. We've also maintained everything 50/50, we've been living together as housemates for a couple of years, but at some point one of us will have to buy the other out. I'm kind of hoping that's what will happen rather than selling, even though selling would probably be better financially. I suspect the crunch point will be in around 18months when the fixed period runs out.
hoefla-
Check whether you actually have a 50/50 split of the mortgage, or whether you are jointly and individually liable for it.
You're always going to be jointly liable on the mortgage. No mortgage lender is going to let you get away with only being liable for half the sum advanced under the mortgage. Not that I've seen in more years than I care to remember looking at and drafting mortgage T&Cs anyway.
Brommers
Thanks all it's very helpful. I'll look into the mortgage advisors route and will avoid solicitor for now. It was more to ask their opinion rather than begin using their services but I think I have plenty to work with from the above suggestions.