Does anyone have any advice on getting a mortgage as someone with a disability?

Hi and welcome @oodlesofdoodles888 I totally agree and know it is very difficult for people on benefits to get a mortgage and even private rent and yes its because the income ca be stopped at any time.

But in recent climate that can happen to a person in work as well but that doesn't seem to put them off lending to them

I hope you find someone willing to help and let is know as we do get asked this question by other members

To be honest I'm surprised that anyone on disability benefits would think of enquiring about a mortgage...but then I'm remembering many years ago, after divorcing, being surprised that I was refused a bank account at the first two I asked, I really couldn't believe it!
I then remember asking at my post office if I could have my income support and I think carers allowance paid into my bank account and the person behind the counter said "certainly not!" and laughed, sarcastically. 
Obviously, I didn't know my place..which was the line of shame at the post office each Monday...lol

oodlesofdoodles888 said:

Hi Poppy,  I would make sure i had building insurance, I already have Tenancy Liability Insurance as it is.  There was a time that you could get a 100% mortgage on a property without a deposit, and i think that for people who cannot afford a deposit, and in special circumstances it should be reviewed.  Everyone of us in this country had worked and paid our taxes, and lived as decent honest folk, but to me it just seems that everything is aimed at the top earners in the country, and that we have all fallen through the floorboards, even though we actually employ the Prime Minister of this country in our capacity as Tax Payers.     So why like in America and Sweden, was there no amount set aside to assist poor and vulnerable families..... at least Donald Trump as much as I do not support him, had the heart to send a cheque out to each and every American to make sure they would be ok.    

I'm afraid the days of 100% mortgages are well gone, think 2008 and northern rock who doled out 125% mortgages, there are some really good mortgage deals out there as low as 1.4% apr but they all require a 40% deposit (plus all the legal and moving cost) plus as Poppy pointed out when you own a property all the upkeep and repairs are down to you not a landlord, there are many people who are working with two household incomes who quite simply cannot afford to buy. You say you would like to leave something for your daughter that's always a nice idea but for many its impractical, you might be better channelling your efforts into finding somewhere new to rent as opposed to berating how you think disabled people are discriminated against when it comes to buying a house, does the same apply to those with poor credit history who can't get a mortgage? does it apply to those who can't save the deposit? or to those who work for NMW with low incomes? NO of course it isn't it is just how things are.

@vikingqueen I take your point, although the national debt is just over £2 trillion, when over the years we had a mortgage we saw rates as low as 4% and as high as 17%, you can never predict how they will go,.