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Luke All you would so is create a private mortgage document lending the money as TIC to you both as JT at the same rate.

Luke There is a few options which would include: 1) Revaluing the existing IP and getting the lender to increase the loan to repay that portion secured against your PPOR. 2) Sell the majority of the PPOR to your wife but still keeping say 1% yourself as a Tenant in Common. Course...