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Each is solely owned.
Married about 10 years.
She spends most of her time in hers and me in mine,
Albeit I spend 2 or 3 days most weeks in hers, she much less frequently in mine.
Thanks. Will stay on line.
I should have said that due to their locations mine is worth substantially more than hers (albeit hers is a lot nice).
it is clearly much more complicated than I had imagined and we should have thought of tax planning a while ago.
my only last question at this stage is who makes the decisions on liability - presumably HMRC?
let's hope my wife and I survive long enough to spend our way out of too much liability while still being able to hand something on.