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There are limited exceptions to that third one, with a very small number of lenders, if the deal is under 80%, and the moons are aligned... Perhaps buy the next property in your wifes name, or lodge a post nup with a solicitor setting out how you both have an interest in the house?

Yes, the lender will most likely need you and your wife to complete a new application, with payslips etc. Yes, the so called love and affection rule exempts transfers of property between spouses No.you are jointly and severally liable for the debt, having your wife go halves doesnt help...