getting married before final drawdown

[ln23]

Hi, we are currently building our house. The mortgage is in one name only as my partner is not working. I'm just wondering if we get married/have children before the final drawdown will they change the amount of the mortgage offer and not let us draw down the agreed mortgage?

 

[LDFerguson]

I would doubt that there's any requirement in your loan offer that you have to advise your lender if you get married.

 

[onq]

This is NOT to be taken as a comment on house prices.
A possible cause of a restricted final draw down is the falling value of the property.

If the cut off point is say 80% and the loan to value ratio at the moment is 80% based on the likely re-sale value of the house.
Should the value of the property fall, then the loan to value ratio will rise above 80% and the bank may apply a corrective measure.
One such measure which was referred to in a recent thread suggested that the bank might not be going to pay the final loan draw down.