So, when it comes to adding a partner to a mortgage you’ve got a couple of options: A) You could get in touch with the existing lender and ask them to add you to the mortgage. It’s an application process, so there’s no guarantee you’ll be accepted and you’ll have to go through the usual affordability and credit checks. B) You can remortgage to another lender . Again, you’ll have to jump through all the usual hoops but you may be able to get a better deal.
It’s a bit like pick ’n’ mix – the sweet shop is the platform you use, the bag is the ISA and the sweets are the different kinds of investments/savings you put in it. A Stocks & Shares ISA lets you invest lots of different things – shares in companies, funds and more. ‘Shops’ or platforms work a bit differently, some let you pick investments or funds yourself and others make most of the decisions for you and let you set a risk level .
In this order: - Buy another property independently (BTL, Holiday Let, Holiday home etc) - Get married Doing this will save you stamp duty on the purchase of the additional property, which you can use to generate an income (and benefit from asset growth in the long term) 1/2
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