Me and DH own a house, which I had bought myself before we even met and obviously put in all the deposit myself. He moved into in with me when we got married and when we remortgaged it we put it into both of our names. We have now moved out of the house and plan to rent it out. I understand the rental income will be assumed to be a 50:50 split between us but DH is a higher rate tax payer and i pay basic rate, so it would be beneficial for the rental income to come just to me (or at least to be split in my favour).
I understand that we can declare an uneven split of ownership of the house, but it seems to not be so simple if the house is mortgaged.
How do I figure this out? Do I need a financial advisor? And if I do, how do I even go about finding one?