Hi RichardThanks for the reply, My wife works part time and  and she is in the lowest tax bracket, I am on the 30% bracket at the moment. CheersRanil 

Thanks for the advise, but my argument is I am keeping the property as an investment and both loans are secured against that property, like having two loans secured against one IP ….current property solely by my name … how does  spousal buyout work ?