You Are the Account Manager of a Bank

You are the account manager of a bank. Your customer, Hank Arbuthnot, applies for an increase in the line of credit for his business. He offers a mortgage on his cottage as security. You know that Hank is married. Which of the following is FALSE?

A) You should obtain a personal guarantee from Hank
B) You should obtain a personal guarantee from Hank's wife.
C) If the cottage is registered only in Hank's name, you needn't worry about getting a consent to the mortgage from Hank's wife
D) If you insist on a guarantee from Hank's wife, you should ensure that she receives independent legal advice.
E) If the cottage is registered in both Hank's and his wife's name, you must obtain her consent to the mortgage.