Getting married mortgage advice ...

leccyblue

It seems absolutely crazy to line the banks pockets with interest in this situation, given you are to be married. See a solicitor and get a private mortgage drawn up. This will involve a Transfer of Equity (to get you named on the deeds), a charge being put on the property in favour of your wife, and a repayment schedule. As long as you have it drawn up legally you should be fine.

The downside with this method clearly, is that it won't release a chunk of cash for you wife, like a real mortgage would.

pcgtron

I agree with the others, this is a weird situation.
Sell your house and give her all the equity. Then pay her a monthly amount equivalent to a mortgage amount until you have paid half if you want.

As you are married, if anything were to happen then things are split 50/50 anyway. Confused.com

dimbo61

Have you considered renting out your home ?
If you have 25% or even 20% equity you could get a BTL mortgage or ASK your existing lender for consent to let for a few years.
Could be a good income source in old age.
If things do not work out with your partner/Wife you still own a property!