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Thanks. The problem in the present climate is that the house is viewed as technically 'in multiple occupation' being 2 units without separate leases - of course it isn't, but any excuse will apparently do. I was hoping to avoid the expense of creating leases, and will continue looking for a BTL mortgage that will accept the present situation, as logically there's no real reason why they should not. However I may have to go down the leases route, in which case the freehold will be in my name, and the leases in mine and my wife's joint names - I think!