Income boosters and deposit boosters are not permitted to reside in the property.

Any occupiers – defined as individuals residing or due to reside in the security – not associated with the owner(s) through continuing linked finances, marriage, or civil partnership, such as adult children (17+), must be disclosed and must complete an occupancy waiver form.

Any individuals that are associated with the owner(s) through continuing linked finances, marriage, or civil partnerships should be added to the application. If the owner(s) prefers for these persons to not be included, they'll need to get independent legal advice. Proceeding in this arrangement is subject to underwriter discrection.

Occupier's consent and postponement deed

This document must be signed by every person aged 17 or over who will occupy the property after the mortgage is completed and who is not a party to the mortgage.

Occupier's Consent and Postponement Deed.pdf

This form is also available to the conveyanver through the LMS portal.

Please note: we will not be able to approve the COT until this document is signed and returned to us.