In our weekly series , readers can email any question about their finances, to be answered by our expert, Rosie Hooper. Rosie is a chartered financial planner at Quilter Cheviot and has worked in financial services for 25 years. If you have a question for her, email us at money@inews.co.uk

Question: I purchased my house in 1982 jointly with my wife for £31,000. In April 2000, I purchased the 50 per cent from my wife as we were separating. The house value was £125,000. I took out an additional mortgage. In September 2018 I commenced letting the property as I moved away to live with my partner. I later let the house out at well below market rent to an aged relative. I have not paid off my mortgage. The house value is £450,000. I also have a £90,000 pension pot, which, if pensions are

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