Thanks for the info - we have a few resident tax accounts but I won’t trouble them in don’t think that’s fair! @Stav 
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I think my future plans are leave as 99/1 whilst renting out. Then when getting ready to sell make 50/50 again to get the most out of capital gains. but that’s not guna happen for 20/30 years so will review then ha.
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I didn’t need you to be dusting off your brain cells and having to do your day job tonight but thank you @Stav you are a credit to the community! 
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One of my posts was flagged by moderator I think. Is anyone able to give me any hints/suggestions why please? Just so I know for future reference is all. Thank you.
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Oh right ha. I only took an excerpt out of a link that was already shared. Rules are complicated ha. Try to be careful and still slip up lol.
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