Troy would be paid half of the proceeds of sale first, with the lender being able to sue Annie separately to pay the £20,000 shortfall

Troy would be paid half of the proceeds of sale first, with the lender having to suffer the £20,000 shortfall

The lender would be paid first from the proceeds of sale, with the remaining £230,000 split equally between Annie and Troy

The lender would be paid first from the proceeds of sale, with the remaining £230,000 being paid to Troy