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If the propertywould be a good investment then it may make sense to buy her out as this could be done without stamp duty. bUt this would be means loans and rejigging the numbers. Watch out for redraw - is it one or both can sign? Credit cards too.

I would go the clean break now. THink of the future, you would have to have joint accounts, speak to each other, agree on repairs. What if she gets another bloke in there - how would you feel. What happens if you get another woman, could she resent that. What happens if she dies and leaves her...