Using a joint account does muddy the water a bit. If you jointly own the bank account, you jointly own the money in the bank account. If she does not work and put money in the bank and you do, then you would be able to say that you are paying the entire bill.
If you both make the same and deposit the same, then you would technically need to claim that you split the interest since you are both equally depositing into the account. The best way to decide how much is to compare incomes and allocate the percentage of mortgage interest based on income deposited into the account.
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