Occupier Waiver ILA

Independent Legal Advice for Occupier Waivers

An Occupier Waiver (also known as a Consent to Mortgage) is required when someone aged 17+ lives in a property but is not named on the mortgage. The occupier must confirm they will not claim rights over the property if the lender repossesses it.

OURMISSION

Who Needs This

• Adult children
• Partners not on the mortgage
• Family members living in the property
• Lodgers or long‑term occupants

OURMISSION

What We Explain

• What rights the occupier is waiving
• Why the lender requires the waiver
• Consequences if the mortgage defaults
• Legal implications for the occupier