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Thanks for your quick reply TBagpuss.
I will hopefully be speaking to the ex this week to see if we can come to some agreement.If we come to an agreement then going to see a solicitor together to get something drawn up professionally.Hopefully what you proposed above as that is exactly what I was hoping to do and the Ex suggested when we split that I could wait a few years until I was financially better off before paying her share back.
As it stands we are joint tenants so how will that stand if she changes her mind and want us to sell the flat so she can be paid her share as soon as possible? Can she make me sell the flat to get her share back out of the property if I''m not able to buy her out? or do you need both to agree the sale regardless of her share being stuck in the property?