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 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
