Mortgage lenders

monkey88

Hi Community

I am new to this community and looking for some advice. I'm trying to look for a mortgage lender as I want to buy my first home having saved up for a deposit. I am finding it impossible to find any mortgage advisor to help, as soon as I mention I am disabled and my income is purely benefits they all back away. I've tried the government scheme HOLD but can't qualify as my partner works because of the employed income, all occupiers of the property purchased on this scheme have to be on benefits,  even if they do not include them in the mortgage application. So they are basically encouraging us to claim benefits and not work to be eligible, which makes no sense at all. Has anyone been able to get a mortgage in a similar situation? I'm trying to get a mortgage solely for myself as my credit score is good as my partner although works does not have a good credit report. 
Any advice is much appreciated. 

Regards 
J

buzzer

Perhaps some helpful pointers on this link especially regarding discrimination, and how to prepare and approach a lender 

https://www.moneyadviceservice.org.uk/en/articles/getting-a-mortgage-if-youre-ill-or-disabled

monkey88

Hi Community

I'm new to the community and am looking for some help and advice. 
I am finding it impossible to find a mortgage lender who can help me where my income is purely only benefits, DLA and ESA. I've saved up a deposit and want to buy my first home but find all the mortgage advisors back away once I say I am on benefits. I've tried the government HOLD scheme but do not qualify as my partner works and has an employed income. To use the scheme all occupants have to be in receipt of benefits. So basically they are encouraging us not to work and claim benefits to be able to access the scheme. 
Has anyone been able to get a mortgage in receipt of DLA and ESA only? I want to get the mortgage in my name only because my partners credit rating isn't that great which I think would have adverse affect applying for a joint mortgage. 
Appreciate any advice anyone has or been in similar situation. 
Regards
J

monkey88

buzzer said:

Perhaps some helpful pointers on this link especially regarding discrimination, and how to prepare and approach a lender 

https://www.moneyadviceservice.org.uk/en/articles/getting-a-mortgage-if-youre-ill-or-disabled

Hi buzzer, thank you for the link I have already explored this site and couldn't find a mortgage adviser willing to assist and government scheme not able to access because or working partner. 

Sam_Alumni

Hi @monkey88
I don't have experience of this, but there is some information on the Scope website about mortgages.
I also found this website called Unbiased which connects people with independent mortgage advisors that may help.

monkey88

Thank you @Sam_Scope will give them.a try. 

vianna

@monkey88
Im in similar situation. 
Any luck in your case.
Please give me advice as I cant find anything like you have sad previously.

woodbine

The best sort of advisors for anyone wanting a mortgage are "whole of market brokers" who have access to a wide range of lenders for most situations.

monkey88

@vianna try Barclays bank. so far they seem to be the only lender at the moment, I have been tried many whole market brokers to no success.

Chloe_Scope

Welcome to the community @vianna! Sorry to hear you are in a similar situation. Would you mind giving us a bit more information? This will allow us to provide the right information.