Hi Simon, i asked this question a couple years ago and you weren't sure of the answer, who is responsible for paying tax on rental property the owners on the mortgage deeds or names on the tenancy agreement, the reason my wife and I own a property in joint names and rent it out in joint names on the tenancy agreement we receive £12k a year, but next year she retires early from work so would it be worth signing the property over to her sole name so she won't get taxed because she will be using her taxable allowance up ??? would love to hear your response to this.