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Yeah that was going to be my point :)
Which then leads on to why the bank is aware that you have a lodger - as agreements go they are pretty transient.
Howard-
I would just prefer to be pretty straight and up front with my lender and insurer, it doesn't cost me anything but does mean I am compliant if anything does go pear shaped. Also, we've had the same lodger for the last 3.5 years so it's been pretty stable, however, he will be getting moved on after Christmas as we're having a baby and would like the house to ourselves, plus, not sure it would be fair on him.
Bernhard
Lodging income is not considered for affordability by a bank unfortunately.