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Howard-
Terms of my mortgage say something like - only you live there, and no-one else is allowed to also live there. I assume their concern is in the scenario of me defaulting on mortgage and there's another person who may have acquired rights through living there a long time, and who the bank have no agreement with.
I would just like it all to be legit so that everything is square across council tax, insurance etc
hoefla
I want to make it legit to have another person living in my house when I'm the only name on the mortgage. I guess first step is to tell/ask the bank. What can I expect? Will they want some kind of assurance that they other person doesn't claim a right to live there if I default on the mortgage? Is there a standard form for this or do we just write a letter? What else - are they likely to say no? Does it change the terms of the mortgage?