No one will tell me the worst case scenario

[MissHoneysHappyEnding]

Post split. Ex has moved out, I am paying the mortgage. Trying to sell the family home. Three buyers have got to the same point of the process and pulled out (due to something out of our control). No way of me fixing this issue.
The bank have told me I don't meet affordability to have the mortgage in my name. I also have not great (not awful) credit.
So what happens? I mean can they force me to sell, and to who? I would love to sell! So if it gets to August and I have to remortgage in just my name, what happens? Can they put me on a higher interest rate due to risk?
I ring the bank and no one actually tells me anything concrete.

When I was looking at new builds none of the builders were offering part ex. They say on the marketing blurb they will offer help but that only meant recommending estate agents and their preferred solicitor.

And would he be willing to reapply jointly for a new fixed rate in Aug if it means you getting a better deal if you’re unable to sell by then?

It would be better than dropping to the SVR which might make your payments unaffordable.

Oh, and if he’s not currently paying the mortgage I hope that gets taken into account when the house is finally sold in terms of what the split of equity is.

I think you need to let your head rule your heart on this one. It is not in your best interests to have him off the mortgage at this point. That is putting more financial pressure and potential loss on yourself whilst he gets off.

You won’t be able to get him off the mortgage unless the Bank agrees,which they have said they will not so forget about that

He will remain joint owner and entitled to his share of the equity when house is sold

Keep a record of all mortgage payments so you can factor that into equity split

When fixed rate is up you will go onto SVR

Ex can force a sale which he might well do,often at the beginning they say they don’t want anything but change position (particularly if they meet someone else)

He knows he can't force a sale as there's no one to sell too!

Any house will sell at the right price

Have you considered selling at auction?

You’ve already said you could sell for £250,000 - you just (quite reasonably) don’t want to.

If your ex gets an order for sale, he could force you to sell for that price,

Three buyers have got to the same point of the process and pulled out (due to something out of our control). No way of me fixing this issue.

There is a buyer for every property...at the right price. So you'll need to reduce the price far enough to attract somebody willing to overlook the drawbacks yours has , bad neighbours or planning permit. ( BTL landlords spring to mind; or people with a hearing or sight disability; someone planning to run their business from it).

Good estate agents are no strangers to finding the right market for hard-to sell properties, so first of all you need a serious talk with yours about re-pricing, and where they pitch the adverts and descriptive copy ; maybe aim at developers, the commercial sector, etc.