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Thanks for your question.
The document they are asking you to sign is a standard form document from the lender with whom your husband is remortgaging, it is called a deed of postponement/consent (or similar).
It is require in order for your husband's remortgage to proceed, it will not without it. By signing it you are saying that you do not hold and will not acquire any interest in the property in priority to their charge. It means that you acknowledged that their charge comes first on the property (ie. a "first call") and you will not claim that your interest is ahead of theirs.
It does not affect you in terms of matrimonial financial settlement upon divorce since this is always over the equity in the property after subtracting the mortgage debt from the value of the property. You rights in this regard will be unaffected in terms of what you would have been entitled to without signing the letter and what you will be entitled to if you do sign the document.
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That's just the terminology used, it's a standard form document. Wife/mother/sister would all be referred to as "adult occupier".
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