I bought a property a few years ago when I was married. I have since divorced and the property has a mortgage in spain but my ex-wife has been living there. The mortgage is in my name only . She had a bad credit score before our short marriage . She has been paying my mortgage because she lives there with her new partner. I need her to take over the mortgage legally in her own name but she has no income and cannot secure a mortgage .I have no problem in her having the property but I need to be free of this and move on . Any suggestions ?? I also believe if she runs out of money she will default , and then the problem will be worse as I am not in a position to pay the mortgage either.