Thanks for your question.
The mortgage company are very unlikely to allow that. If the size of the mortgage is very small compared to the value of the property then it is a possibility they will allow it but it is something that you are going to have to speak to the them specifically about. If you do not tell them about this then you (and your conveyancer) would be in breach of your mortgage conditions which could entitle the lender to enforce the breach by taking possession of the property.
The alternative is if your father is willing to not be named on the Land Registry title for the property, but to take a charge instead. The charge would be similar, though secondary, to the mortgage which is registered as the first legal charge against the property. This means even though he is not named as the owner of the property it could not be sold without his consent. The charge would refer to the amount of money contributed by your father and state that he should be paid upon sale. You can specify other such terms therein.
Again, you would have to tell your mortgage company about this and you father's occupation. It would be another breach of the mortgage conditions not to do so.
Engaging with the lender is the first issue, their terms will dictate how the issue is to be resolved.
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The value of the property is £215,000 with my mortgage application being for the value of £35,000. If the mortgage company agree I assume what we were originally proposing i.e two names on deeds and one name on mortgage, that is ok legally?
As an alternative, could a private mortgage arranged through a solicitor work?
Solicitors are not permitted to give financial advice and recommendations of that sort I'm afraid.
There is nothing preventing two name registered proprietors on the LR legal title with only one such proprietor being named on the mortgage deed; it's merely the prerogative of the lender.
Hope this clarifies.
Thank you for your very kind accept and good luck.
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