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A friend of mine has been in a similar situation a couple of times and I believe they just lied, and all was fine.
IIRC they went on a big holiday after quitting DayZ and came back without jobs to find their mortgage was up. Due ot being higher risk (no jobs) it looked like they were going to have a higher interest rate and therefor pay more (huh?) but they just ticked the "yeah all the same thanks" box on the mortgage and saved themselves 100s a month.
Thats what they told me anyway. No personal experience.
chrisbmx116
CYOA
Vesalius
^^ Still shitting it at the prospect of switching ours next summer with changing income since baby cyoa / mrs cyoa stopped working. Seeing as we've still made all payments without hitch presume they can't just say 'well you're earning less so you can't have it any more'? My concern is the gordon gecko in them will say 'sure you can have it but at 3000000pc' rendering it unaffordable/miss payments etc.