CONSENTGUIDANCE Occupier Waiver ILAIndependent Legal Advice for Occupier WaiversAn 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 ThisAdult childrenPartners not on the mortgageFamily members living in the propertyLodgers or long‑term occupants OURMISSION What We ExplainWhat rights the occupier is waivingWhy the lender requires the waiverConsequences if the mortgage defaultsLegal implications for the occupier
