Which handbook should you consult to obtain the lender's instructions regarding an adult occupier?

• A. UK Finance Mortgage Lenders Handbook
• B. Land Registry Practice Manual
• C. Law Society Conveyancing Handbook
• D. Mortgage Lending Guide

Answer: (A)

The key idea here is that lender-specific instructions are found in the official lender policy that solicitors must follow. When an adult other than the borrower will occupy the property, the lender’s requirements about occupancy, consent, and related undertakings are laid out in the UK Finance Mortgage Lenders Handbook. This handbook is the standard reference used by conveyancers to understand what the lender requires in these situations, including any declarations or forms the occupier must sign and how occupancy should be documented in the mortgage transaction.

The other sources serve different purposes: the Land Registry Practice Manual guides registration processes, not lender instructions; the Law Society Conveyancing Handbook offers general practical guidance on conveyancing but not the lender’s specific instruction set; and the Mortgage Lending Guide isn’t the standard reference used to determine lender requirements in conveyancing.