Mortgage top-up

[Sophia2457]

I've applied for a small top-up on my mortgage and it's been approved today.

I just have to fill out a direct debit form and strangely, a marital status form, even tho I filled that in on the original form.

I'm single and only my name is on the deeds.

Anyone know why this is necessary? Seems odd!

Thanks
S

 

[infinity]

in case there is anyone else who may have rights to the property in case the bank needs to repossess it maybe ?

 

[Dreamerb]

Just in case you've got married since.

It's for the purposes of the Family Home Protection Act 1976, which basically means that even where a person is the sole owner of a house, the spouse must consent to a mortgage being raised on the property, or to its sale.

 

[PM1234]

Exactly. You should have to complete one each and everytime you take a top up to confirm your marital status hasn't changed.