Mr. Lorcan O'Connor:

A person who has a mortgage in joint names can apply in his or her own right to seek relief under one of these arrangements. If this is successful, the person is free from his or her obligations to that mortgage. The other person who is not party to the application is still liable for his or her part in the mortgage agreement. If those parties remain together they can apply on a joint basis - if their debts are joint - and they will get the relief together. That is an option. I reiterate there is not an obstacle for the remaining person in availing of the relief.