I am a full-time GP who retired for 24 hours in May to take my NHS pension and lump sum. I plan to retire fully in 2013. I wish to invest these benefits in a holiday-let property. Ideally the house will be in my wife's name as she has only £10,000 income a year. Some of the purchase cost will be paid by taking out a mortgage. The bank will allow the home to be in her name if my name is on the mortgage as well.