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Bernhard
fanks @Bernhard , @Howard
I do not currently have a lodger. but I would like someone else to live in the house too. at some point. no rush.
I will not be relying on lodger income, but it would be nice.
I am seeking to change mortgage possibly this summer. (5 years is up next spring, but general worries about What Might Happen. also I need to buy the house from the other half, we are currently co-borrowers. hoping same lender is possible and would avoid 14k early exit penalty... )