You and your ex-partner are jointly and severally liable for the mortgage which means that it will affect both your credit ratings if you cannot pay your share. If your ex-partner can afford to pay it then they will need to think carefully before allowing the mortgage to fall into arrears. If neither of you can pay the mortgage, then agreeing a quick sale may be the only option. The sale proceeds can always be held until an agreement has been reached regarding how they are to be shared between you. If you can no longer afford your share because your partner has remained living at the property and you have moved out, you may have an argument that you should receive occupational rent from them. This could be met by them paying your share of the mortgage.