thanks! we have dropped the rent and are giving the lending company 1 more month then we are going to look lsewhere!

it was never this complicated in the old days lol

My first thoughts are that, unless you can see any good reason to change, you should leave the mortgages as they are. It's possible that, if one mortgage needed renewing, you might get a better deal with a joint mortgage but that is something to look at then. In most areas there does seem to be more demand for rented property than for sales so I feel that you should persevere with the letting attempts, perhaps have a chat with other agents and/or lower the asking rent a little but again, this is no more than a preliminary idea. You two know the properties, the areas and what your plans are better than anyone so the decision should be yours. If you are going to be worrying a lot, it might be better for you to sell it to someone else for them to worry about.

My fiance and I both have our own flats in Scotland and therefore our own mortgages. At present we are trying to let out his flat but no joy so far. We are getting married next year and are moving into Army accomodation and we don't know the best thing to do with the mortgages.

Should we both get put on each other's mortgage? Or does this cause problems with 2nd home legislation/tax?

Should we sell his flat at a loss and get him put on my mortgage.

It is all so complicated and adding to the wedding stress!

Any advice?