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Possibly reducing capital gains if and when we sell the place
It's possible. Presume it's been rented? There were some tax reliefs based on rental periods that made it unattractive to change the ownership but most of those are gone now so Cap Gains might be the biggest one. But then it depends if you have other gains that year etc.
Also if having it in in joint names would adversely or positively affect mortgage renewal
Shouldn't make too much difference if you stick with the same lender. If you want to use another lender then it might, depending on your earnings and commitments.
Proper tax / accountancy person will know the full score.
Howard
Possibly reducing capital gains if and when we sell the place
Also if having it in in joint names would adversely or positively affect mortgage renewal