No she cannot!!! Firstly, income or the lack of it, does not determine who goes on the mortgage. When I worked for a building society, we granted mortgages to an 84 year old who had no income but plenty of capital as savings. Its the security that is important. Anyway, being put on the deeds means you becoming a part owner. If you are a part owner, you cannot have a legal interest in the property without also committing to be reponsible for repayment of any loan outstanding on it. That is because the lender will not let you assume a right to occupy the property which takes precedence over their right to possess and sell the house in the event that the mortgage is not paid.