Yeah it's been 2 years straight in Ontario. We moved into the house in November 2007 and we're both co-owners on the mortgage (the initial thought was for us both to pay it equally but I was the dumbass who wanted to be fair because I thought this would be permanent). After about 6 months we started to stop talking to each other. I guess we kept trying to make it work (humanity's emotional ability where hope triumphs over experience I guess).

I didn't know about the notary. Who do I talk to for advice on what paperwork I need? We're still on amicable terms, but hey women can turn vengeful in a second, so who knows. I can get the initial paperwork done and if she turns bitchy then just bite the bullet. The money is the big motivator though - she won't want to declare bankrupcy over this.

Here's where I now have a beef with the Mortgage with TD bank. On a 5 year fixed term mortgage, to get out 2 years into it, the penalty is $25,000. I'm SHOCKED. So I have to figure out how to approach this. She can't afford to take over the mortgage (unless she gets roommates) and she sure as hell won't let me keep the house even though I can afford the payments. So now I have to go to the bank and see what my options are to reduce this damage. Talk about a cash grab. Yes I know it's free enterprise and that's what you get for breaking a contract. It's still an outrageous amount of free cash for the bank.