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product transfer with current lender (presume this varies from lender to lender but there's again, presume they'll ask to see updated proof of earnings)
I've remortgaged 6 times (three different lenders:Halifax, Coventry BS and Santander) and I've never had to send any proof of earnings when remortgaging with the same company (i.e. a product transfer). The most recent ones with Santander have been all done in a single phone call, no need to even sign anything, no questions about changes, etc.
Moving between lenders and you'll need to provide proof of income.
Any attempt to increasing borrowing (more than just putting the product fee onto the mortgage) with the same lender will trigger the need to prove income though.
Greenbank
CYOA
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.