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A FREIND OF MINE... never mentioned change of employment a couple of times. Once I believe he lost his job, or maybe his partner did but they forgot to mention it (he tells me) and just signed the same deal again. Another time I think they went on some bloody hippy gap year type holiday and came back with no jobs and once again just signed the "renew the same" docs.
Not sure I'd have the gaul for those kinda moves myself, plus gap years are for dead beat hippies, but thats my (friends) story.
How accurate is this:
https://www.thisismoney.co.uk/money/experts/article-2120599/Do-I-need-tell-mortgage-lender-Ive-redundant.html
(tl;dr - once mortgage in place there's no obligation to tell lender of change in circumstances)
Not redundant but Mrs CYOA hasn't worked for a couple of years as she's been mumming - we've got 18 months left on ours and I'm self-employed - presume options are:
Presumably, if we apply for a product transfer with current lender and they say 'nah you're not earning enough' they can't renege on the initial mortgage and, as long as we make repayments, they're unlikely to ask for the keys? I suspect the answer would be 'ask them' (Clydesdale) but hesitant to show cards for fear of the worst etc.