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Yes WYlie I would be keem to hear about how the will drafting effected things.

Another option would be to purchase in mum's name only and then inherit. She could then get the main residence CGT exemption and land tax exemption. You also need to consider social security - pensions.

You can't mortgage half a property so any loan will need to have all owners on it. Deductibility of interest generally is in proportion to ownership interest. You don't say what state the property is in but you need to consider land tax. There is also a chance that you or wife may...