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Just remortgaged with HSBC (new customer) with the same lodger so some banks are pretty cool with it.
Bernhard-
I know! It really would depend on the other circumstances of the loan.
I'd be interested to know if lenders offer worse rates to those with lodgers, I'd assume they are more likely to use that information as a lending decision factor combined with all sorts of other stuff like LTV, affordability, property type, age etc...
Howard
Yep! I would say to Hoefla, think carefully about having a lodger when you come to re-mortgage :)