Why would he lose it just be enquiring? That makes no sense, unless he insists on trying to do it the bank have no reason to change the terms of existing one.
There may be other grounds for the bank to do something about the tracker. It would be imprudent to come on to their radar regarding a minor issue which has almost zero chance of being resolved.
Breach of LTV for example
There is no chance that they will swap a buyer out and another in without removing the tracker.
As the OP has not yet responded to the query regarding whether his fathers name is joint owner or only on the mortgage deedI am shocked that they do this, but I stand corrected.
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