Primary vs Second home def in the context of creditors right

I am applying for mortgage for the purchase of a property as second home. My wife and I plan to become co-owners of the property. I just read that the creditors can seize a non-primary residence, e.g., in the event of my bankrupcy or my death. We plan to live in the property as our primary home eventually. However, on the paperwork, the mortgage is defined as for the purchase of second home at this time. How is the property's classification (primary vs. second) determined in the context of creditors right? Under what condition(s), can we claim it as our primary residence in this context? Many thanks.