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  • Basically the first thing to do is work out the tax implications.

    Need to consider what the value is she's taking on (including future mortgage payments), whether she already owns a property, is planning to buy a separate property, etc

    That will give you an idea of what it's going to cost. Consider that (plus solicitors fees, etc) against mortgage rates, what return you can get on the cash.

    If there's no sdlt, minimal fees, no need for the cash elsewhere, etc then it might be worth doing.

    If it does come out costing money (compared to what else could be done with the cash) then you need to consider whether that cost is reasonable for the result of her having a stake in the property.

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