Posted on 21 March 2015 by Chris
Is it possible to jointly hold a buy to let mortgage, but have the house in my wife's name who is in a lower tax bracket?
Unfortunately, lenders only look at what is known as 'joint application / sole propietor' for residential loans. However, we may be able to approach some of the lenders who manually underwrite cases, to see whether they may able to look at doing the loan in your wife's sole name, if they know that you are in the background.
We'd need to know more about your personal financial situation before we could say definitely if this is possible or not.
If you'd like to discuss your options in more detail, then please contact one of our consultants on 0344 346 3672 and they'll be able to give you a clearer picture of how we could help.
More than mortgages, talk to me about:
Financial Protection | Investments | Personal and Corporate Pensions | Home Insurance
General Insurance | Valuations | Conveyancing | Wills | Home finders
Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.
We recommend you seek professional advice with regard to any of these topics where appropriate.