She needs to appply to the land registry to have the deeds changed to her sole name, and this is better done through a solicitor, especially considering that they are currently in two names and the other person, to her knowledge is not deceased. It will also depend on the bank/building society, and whether both peoples names still appear on the mortgage account, because of the length of time witout taking any action she may have to prove that she has received no contribution from the other person even though all payments have come from her own account.