Informing Whom When Someone Moves In?

Gravy0

Hello


Not sure if this is the correct thread but none of the others seemed appropriate. Apologies if it's not.


I own my own house (with £8k left on a mortgage) and work full-time (so no benefits) and my gf has moved in with me. I have informed the council to stop applying my single person's discount.


But do I need to inform any other organisations? ie. mortgage lender, building and contents insurance provider, etc.? I'm not sure of the legalities of the need for them to know of the change in my/our circumstances (as I can't imagine her moving in would affect how much my mortgage and insurance, etc. are).


Thanks in advance

Comms69

Check your T&Cs, cant read them from here

Cheeky_Monkey

Personally, I don't think you need to inform any other organisations apart from the Council for Council Tax purposes.

You say that you are not on any benefits but is your girlfriend?

Goath

When I moved in with my, now wife - we just informed the council for council tax purposes and car insurance, mobile phone co etc etc.


We didn't inform the mortgage co, I don't think they really cared only about getting their payments on time.

Smodlet

Your insurance company needs to know she is there from the point of view that, should your GF cause any damage, you would not be covered as she is there with your permission. This does, of course, apply to anyone else you allow into your property but more so to someone living there as they have more opportunity to cause damage or indeed, to steal stuff.

I'm sure this would never happen but try to put yourself in an insurer's shoes: Their business is all about risk assessment and you have moved the goal posts. This is fine so long as you tell them so they can adjust your premium if necessary. You could, from their point of view, claim for damage/loss of goods while omitting to tell them the loss was caused by someone they did not know was living there, which would be fraudulent.

If your contents insurance is sufficient to cover her possessions, they also need to know what and how much cover they are providing in addition to what is already on your policy, IYSWIM. If she has her own insurance, all she needs to do is tell her provider her new address.

You do not need to tell your utilities providers but, if her name is not on any of your bills, you remain solely liable for paying them. That, of course, is your business and your choice. Sorry about the longwindedness, HTH.

hazyjo

Your lender is meant to know as far as I know. It's more to do with the fact that if you die, she has no claim on the property or right to stay in it. Seeing as your mortgage is so low, it may not make any difference and you may choose to leave it to her anyway (presuming the £8k is paid off).


Only going from what I had to sign and acknowledge when my BF moved in with me when I moved house. It may just be on a purchase, not on an existing. I did have to tell them though before in the old house and it affected things like if I wanted to increase my mortgage as he's classed as a dependant.

Gravy0

Thanks for all your replies. No, my gf works full-time so doesn't receive any benefits.
I think I'll just let me mortgage company and deffo insurance know, just to be on the safe side.

davidmcn

hazyjo wrote: »

Your lender is meant to know as far as I know.

No, they only need to know about adults living with you at the time the mortgage is granted - they're not interested in who moves in afterwards.