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Ok was not aware of all this. I'll discuss with Darryl and make sure I'm crossing all the t's and dotting all the i's when I do this (if I still decide to go ahead)!

Hey, I'm no expert on this either. That's why I depend on the pros to guide me, such as Darryl from Certus Legal. As I said it's not 100% ideal, I'm just making the most of a bad situation. It's the most pragmatic approach so I took it.

I never said that. I'm just making the most of the situation I'm in. A Bare Trust is still 1000x better than a "hey trust me 50% of this belongs to you"

I never said that

I guess my situation is a little bit different in that it's family so there is an enormous amount of trust here. This is by no means "as good" as having it all done properly but after talking to Darryl it was the best option without triggering stamp, remortgaging etc.

This has nothing to do with it. Even if he was on the title / loan, this would still be a risk.

I'm on this same boat. I went halves with my mum but for a number of reasons we weren't able to put her on the loan / title. So Darryl (RPI) is going to set me up with a Bare Trust, which is basically just a simple contract that the banks don't even need to know about, so it doesn't make things...