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I'm not a night owl so too tired to reply to your two points above sensibly right now - but I am very glad we agree on one thing - our friend does need to see a solicitor

And what about any other family members ?

Even assuming the mortgage lender is happy with that, there may well be other family members who are not. Also, as Cheshire cat pointed out having this type of arrangement may well go against this guy and his gf if they go for a mortgage for themselves

It will all depend on what stage things are at - you really should contact the mortgage lender tomorrow. They will be able to advise you about the current position and you can tell them about what you propose to do about it. Assuming they are in agreement, you can then plan the way forward with...

In the most ideal scenario it would be important to see a solicitor asap - in light of what you have just shared re gf and gf mother I would say it is absolutely essential you see a solicitor soonest - as legal seagull urges you to

Cheshire cat has raised two very important points - which is why it is important that you discuss this with the lender and a lawyer

I don't think it works like that, I think you need to arrange for a second charge on the property - but you really should speak with a solicitor about this.

I agree with tottonseagull. I was going to say about the second charge etc but not 100% sure of my facts. I think this is the way to go and should be fairly straightforward and should be ok with the mortgage lender.

I would speak with the mortgage lender. From their point of view coming to an acceptable arrangement will usually be preferable to repossession. I think it is best for you to seek advice from a lawyer about the best way to protect your interests - I'm sure it can be done. Good luck.