mortgage company needing to give permission for adult son to live with us

[Livelovebehappy]

Nearing completion on moving to our new home hopefully within a couple of weeks, but our solicitors have asked about any other adults who will be living with us. I confirmed my adult son who is 21 will obviously be moving in with us - he’s lived with us from birth and it seemed a strange question. He’s not party to the mortgage at all. Now the solicitors have told us they need to obtain permission from our mortgage provider that it’s okay for him to live in the property with us before we can exchange contracts! Anyone know why?

Cos they are wankers basically.

They just need you to prove he is your son and dependent rather than a lodger. Pile of crap if you ask me.

I don't know but that is ridiculous!

The consent is from your son, not the lender - it'll be an occupiers consent form.

Anyone over 18 living in a property who is not on a mortgage, has to waive their rights to occupation in the event of repossession.

Totally normal, it's just a form he'll need to sign. (I was a mortgage underwriter many years ago!)

*The consent is from your son, not the lender - it'll be an occupiers consent form.

Anyone over 18 living in a property who is not on a mortgage, has to waive their rights to occupation in the event of repossession.

Totally normal, it's just a form he'll need to sign. (I was a mortgage underwriter many years ago!)*

This. There was a case years ago where a mortgage company couldn’t repossess because an adult not on the deeds or mortgage refused to vacate and made claim to the property. Some legal thing.

So now all adults have to sign saying they have no claim on the property.

When I bought this house DH had to get his own legal advice and sign a waiver as he is not on the deeds/mortgage.

It is not because they are wankers. They are protecting your rights and their investment.

dadadoopy but the email I received from the solicitor today said they were waiting for confirmation from the mortgage provider that they were okay for him to live in the property with us. My son hasn’t had to sign or complete a form, and the solicitors haven’t indicated they are going to send a form to him. We are supposed to complete on 8th May, and their email was on the back of mine to them asking for confirmation that everything was in place. Unless of course we are now going to have to wait for a form from the mortgage provider or son to complete and return which is really going to drive me batshit as no way will that all be done in time for the 8th.

mortgage provider for son

Keep chasing your solicitor - I suspect that's what will happen, that they'll suddenly decide they need an occupiers consent form and you'll be rushing around trying to get it sorted. Make a (little bit) of a nuisance of yourself with the solicitor until you find out what's what.