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This is pretty much why we went through a broker as our circumstances weren't completely straightforward. I expect having a lodger and the wife being self employed and working from home does not create a warm fuzzy feeling for a lot of banks! Not sure if they would offer worse rates than what they advertise, but may require further checks or would just refuse you outright.
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...