Thinking of asking your partner to move in after Valentines Day? By Sophie Mason

By Sophie Mason.

People who own their own home are usually concerned with the implications of home ownership and any rights their partner would have over the property should they separate in the future. We would always recommend that you obtain legal advice from a Family Lawyer in this instance who can provide you with some guidance. Our expert Family Lawyer, Veronica, can provide this service. You can contact her via 01905 900 949, or by emailing Veronica@bradleyhayneslaw.co.uk.

One thing people often do not think about is whether they may be in breach of their mortgage terms. There is often a provision in your mortgage offer that no adult occupier other than those named on the mortgage can occupy the property without the consent of the lender. It is therefore important that you contact your lender prior to your partner moving in to ensure that you have their consent and you are complying with the terms of your mortgage. It is common for lenders to require any non-owner adult occupiers to sign an “occupier’s consent form” to confirm that they would vacate the property in the event that you default on your mortgage payments and they take action to repossess the property. Some lenders require those occupiers to obtain independent legal advice. Our Head of Litigation, Holly, can provide this advice. You can contact her via 01905 900 949, or by emailing Holly@bradleyhayneslaw.co.uk.