Then the direction is clear.

Summary:
- debt is a lot and hard to clear under your name in order to keep the house.
- house is under late father’s name and fully paid off.
- house value sufficient to cover for debt
- insist on keeping the house and not selling.

Best Direction I believe:
- Complete the house name transfer as per procedure. Shouldn’t need much legal fees for this.
- Mortgage the house, then use the amount to lump sum to clear the loan.
- it’s better to use house loan rather than any personal loan or akpk. Use flexi or semi flexi loan to reduce interest rate after using and ensuring all debt is cleared. Extra cash loaned dump in back to the loan account.

Query:
- how Muslim divide the property. After dividing, is there issues trying to get house loan mortgage with so many parties involved.
- will the official process allow for property to be transferred with debt still active. (Is it allowed religion wise)
- will TS have enough credit to allow property mortgage to cover the full debt amount. (Or will even TS be part of the name of the owner of the property to have a mortgage under her name)