That explains it thanks.

Just trying to re-mortgage and got couple questions: 1. new company asking for letter of consent for anyone under 18, i understand what it is for, but i never been asked before as i did remortgage 3yrs ago with my current lender? 2. I live with my wife, she is not on the mortgage i.e not registered owner, wondered what would happen if i died and my wife obviously wanted to live there, would it just be a case that the life cover would pay off the mortgage and my wife could still live there or because she was not the registered owner the bank would have to take it back and do want they want with it?? Thanks in advance.