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Mr A owns a property which he lives in (Property A).
He wants buy a new property to move into (say property B). This will become the new place of residence.
Property A will be let out.
Property A is mortgaged under Mr A's name and he is therefore the registered owner. But in reality Mr A & Mrs A are joint owners only not on paper because Mrs has poor credit rating which limits access to mortgages.
Mr A is a higher rate tax payer whilst Mrs A is a lower rate tax payer.
What arrangement can Mr A make to utilise Mrs A's lower rate tax band on the rental income of property A?
Do you know of people whom have got approval from HMRC on the arrangement you are suggesting?