Seaforth50

Thanks for your input BellaBoo There are no mortgages on the three properties which are in my name. If DoT is not recognized under Scottish law i presume the only option is to transfer ownership of the properties to my wife ... as cost effectively as possible..???

Also in Scotland. Wife has no pension and i am +40k so would like to transfer rental income from three properties to her. Following Declaration of Trust submission how does HMR give you formal acceptance ..?? Presume this is required before you can proceed..??