Just a quick question on the above. We (my gf and I) have received planning permission on a plot of land at home and we intend to build on it in the next year or so. I have looked into getting a mortgage to cover the build, but with the amount of money offered to me by the banks we wont be able to build on a sunroom or finish the house the way we want to. I have tried to keep my girlfriend off the mortage as much as possible but now we are thinking of looking for a sole deeds joint morgage set-up. It would allow us to get everything sorted out and build our dream house. She has been left a site by her grandmother around her home and would really like to build here in the future 5-7 years time. I'm just wondering if she was put as a joint name on the morgage would she be able to apply for planning in her own name in the future (i.e before we got married?). Any help on this would be greatly apreciated!