Thanks for your comments duckster.  We did borrow for our main residence but this could be done by using our deposit and my salary only (We had a 20% deposit).  What I want to know is that should we put our main residence in my wife's name only?  We have not settled yet and my solicitor says that this could be done.  Regarding the finance.  I would have to guarantee the loan that would be in my wife's name.  If we do this wouldn't we have more borrowing capacity in the future as I would have no assets in my name?  Steve's book says that you should do this, then approach another lender and when you make an application for an investment loan use the partner with the highest salary as the owner as you will be able to borrow more money.  As I would be the guarantor for the loan on the main residence in my wife's name, would a new financier take this information into account when assessing a new loan application?  Any help would be good.