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I would just prefer to be pretty straight and up front with my lender and insurer
Yep! I would say to Hoefla, think carefully about having a lodger when you come to re-mortgage :)
Howard-
Just remortgaged with HSBC (new customer) with the same lodger so some banks are pretty cool with it.
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If you have someone over 18 living with you, isn't there paperwork involved if you remortgage? Nothing onerous, something like "I'm over 18, I live here, I have no financial benefit over this property."
Bernhard
NotThamesWater
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.