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Mortgage possibilities?

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artsfutures
artsfutures Community member Posts: 9 Listener
Hello, does anyone have recommendations for a mortgage broker who understands disabilities, benefits and can advise Re mortgage possibilities? 

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  • woodbine
    woodbine Community member Posts: 11,942 Disability Gamechanger
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    hi @artsfutures how are you today? Mortgages are difficult at the moment as many lenders have tightened up their lending criteria, and its never been easy to get a mortgage if your only income is benefits.
    The only suggestion I have is to find what is known as a "whole of market broker" they have access to a wider range of products than other brokers.
    A lot will depend on the size of deposit you have as well, with the best deals available to those with a 40% deposit.
    2024 The year of the general election...the time for change is coming 💡

  • artsfutures
    artsfutures Community member Posts: 9 Listener
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    Thank you very much indeed for your reply. YEs, I wondered if anyone knew of a particular firm, used to working on mortgages for those on benefits due to disability.
    All so very helpful.
    Best wishes
  • Ross_Alumni
    Ross_Alumni Scope alumni Posts: 7,652 Disability Gamechanger
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    I have no knowledge in this area personally @artsfutures, but have you sought professional financial advice for this?
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  • Dack1967
    Dack1967 Community member Posts: 12 Listener
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    Hi this is what I’m looking for I have no mortgage it’s paid just looking to get enough to buy husband out then I can stay here as I say I’m not fit to move I’m very ill at the moment wanted me into hospital I refused I got treated for my mental health at home but said I need to see psychiatrist I have PTSD with my ex the things I can’t mention on here as they are off a certain nature he done to me on a regular basis abd also my grown up daughter I just want to buy him out be mortgage for 40000 to pay him off get court case over divorce that it done completley he’s a narcissist but say that he left me like a empty shell they always have there next victim lined up which he had xxxxxxxxx
  • poppy123456
    poppy123456 Community member Posts: 56,191 Disability Gamechanger
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    Dack1967 said:
    Hi this is what I’m looking for I have no mortgage it’s paid just looking to get enough to buy husband out then I can stay here as I say I’m not fit to move I’m very ill at the moment wanted me into hospital I refused I got treated for my mental health at home but said I need to see psychiatrist I have PTSD with my ex the things I can’t mention on here as they are off a certain nature he done to me on a regular basis abd also my grown up daughter I just want to buy him out be mortgage for 40000 to pay him off get court case over divorce that it done completley he’s a narcissist but say that he left me like a empty shell they always have there next victim lined up which he had xxxxxxxxx

    HI,

    It can be very difficult to get a mortgage if you're not working. I don't personally know of anywhere that you can successfully get a mortgage if claiming benefits. It will also depend on your personal circumstances and afordability.

    Good luck.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • woodbine
    woodbine Community member Posts: 11,942 Disability Gamechanger
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    @Dack1967 just a thought does your grown up daughter work and live with you? if so a joint mortgage might be the answer, but as above "a whole of market" broker might be a good place to start.
    2024 The year of the general election...the time for change is coming 💡

  • Dack1967
    Dack1967 Community member Posts: 12 Listener
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    Thank you a thank you everyone a few good tips I’ve been given on here great sire forum etc I certainly will be joining in on things on the site brilliant thank you all very much fingers crossed xxxxxxxx
  • bedBug98
    bedBug98 Community member Posts: 4 Listener
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    Hi I was in very similar circumstances to yourself but we had to move. luckily I found a broker who was excellent at Sirius finance Drew or Adam and they were able to get me a mortgage on benefits give them a ring Good luck with this and your health issues
  • artsfutures
    artsfutures Community member Posts: 9 Listener
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    Thank you so very much
  • artsfutures
    artsfutures Community member Posts: 9 Listener
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     Hello - I gave them a call. We’ll see!! But very very very super grateful for the recommendation. Very best wishes, stay well. 
  • bedBug98
    bedBug98 Community member Posts: 4 Listener
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    Thats great I borrowed double what you need over 12 years as I will be 70 then and that seems to be the maximum 
    fingers x for you 
  • artsfutures
    artsfutures Community member Posts: 9 Listener
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    Such good news for you ... I called them and await a call back. So grateful. Though ... we really are xtra outside the box!!!
  • bedBug98
    bedBug98 Community member Posts: 4 Listener
    edited January 2021
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    Another company that deals with mortgages for people on benefits 
    Together Finance 
    [Removed by moderator - phone number]
    just remember they all charge a fee 
    Good luck 
  • Tori_Scope
    Tori_Scope Scope Posts: 12,506 Disability Gamechanger
    edited January 2021
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    Hi @bedBug98! I hope you're well. Just to make you aware, I've removed the phone number from your post as it breaks our community guidelines

    Thank you for offering advice to artsfutures though! 
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  • bedBug98
    bedBug98 Community member Posts: 4 Listener
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    That’s ok 
    thanks for the info 
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