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If you are planning on starting a family, might be best not to mention that - a question they ask tends to be about pending changes to your financial situation. Wedding, children etc might reduce the amount they will lend you.
tbc-
Thanks, just the sort of thing I needed to get me started on thinking and researching.
We live in Scotland so things are slightly different (no stamp duty, it's LBTT here). What I'm considering appears to be a transfer of mortgage debt and a gift of equity. It would appear that the transferred share of mortgage is below the LBTT threshold so doesn't incur a charge but still must be reported.
Fiancée doesn't own property so no issues there.
I'm considering remortgaging because there are much better deals available than we currently have (the property having gained value thus my equity having increased).
Cupcakes
I have two years left on a 5 year fixed mortgage and am considering remortgaging to add my fiancée to the mortgage. This would also give us financial stability over the next few years and I may change my job in that time, or we might start a family. Worth doing this before we get married, or after? I suspect I should get "proper" advice albeit not sure whom to approach. IFA? Mortgage broker? Google?