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womble - it is just a technical difference. As soon as someone is listed on the documents as a 'guarantor' it means that the bank/solicitors automatically assume that the guarantor needs independent legal advice because there is no 'benefit' to the guarantor in providing that guarantee. This is...

The difference is thus: In the first case, it sounds like your spouse was a 'co-borrower'. So she's not on title, but she is a co-borrower because she is your spouse. No additional paperwork needed. In the second case, your spouse was probably put down as a 'guarantor' which triggers more legal...