I keep reading that EY doesn’t allow self clear for independence. So if I own a home with a mortgage that’s been there forever and it’s restricted do I have to refinance because they don’t allow you to self clear?

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I don’t know what self clear is but I was allowed a grandfathered mortgage with a restricted entity. You just report it and they note that it was prior and under normal terms.

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EY had that for some of the companies. We just had to check we weren’t a covered person and didn’t have to dispose of the security or change the loan/insurance policy

Not sure what self clear is, but they will grandfather your mortgage in.

Now you are adding an additional layer of complexity. I don't know tbh you'd have to ask Independence.

I would ask independence since you mentioned its an investment property but I think since the mortgage is generally secured by your home its not restricted.

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