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You may transfer your mortgage to your daughter just do one thing go and ask your lender.

Lenders are primarily concerned that all applicants, including self-employed workers, can consistently repay the mortgage. They'll have to see that your income is high enough to pay for the mortgage and likely to continue, and that you have a good track record of repaying your debts.

Yes, all lenders will consider secured loan or mortgage payment defaults to be very serious and weight them accordingly when deciding. A default will remain on your credit record for a long time, which could influence your capacity to access credit later.

Use a different lender A buyer could apply again with a different mortgage lender in the hope they’re appointed surveyors will view the property in a different light. However, this may affect other stages of the application if numerous credit checks have been completed in a short period of time.

You must provide proof of your own income, credit, and assets Even if your wife earns more money than you do, you may still be able to qualify on your own if your income meets the lender's minimum standards.

I am confused please explain more.