A thought occurred to me. Our mortgage is with the same bank I owe a £25k unsecured personal loan to. When I go bankrupt, I'll be writing off that 25k loan, but the mortgage is still with the same bank that will hopefully be transferred to my wife when she buys my beneficial interest and carries on paying it.
What I'm concerned about is if the bank can stop her doing that? The only way I can see is if they say we took out a joint mortgage based on both our incomes, but now we're trying to sign it over to my wife who would never have gotten that mortgage on her own salary. Is this just me over-thinking something and they won't care as long as the mortgage is paid (we've never defaulted on any payments), or could they get funny about it (just for the sake of it perhaps) because I owe them £25k?
Thanks again, Dan