Quote Originally Posted by Squashed_Fly
I'm the first to admit, having never bought a house, that I know very little so a debate is pointless.

But it it works, it's legal, and it gets us on that 1st rung of the ladder, then I'm game
The only point I want to make is that I dont think it does work..withouth speaking to your IFA friend I am limited in what advice I can give but it verges on the edge of mortgage fraud from what you have said and I would avoid it at all costs.