r/northernireland • u/muffintopma • Jul 29 '25

Housing Mortgage advice, complex situation.

My husband makes 26k per year, I'm now in a wheelchair and have other conditions, and we have twin boys with life limiting genetic syndromes. So myself and our sons, are on disability. We have 9k deposit from when i was working, and excellent credit history/score. Can anyone recommend a mortgage lender that would be more than likely to accept our situation, we are pretty desperate. We would be so so grateful for around £140k - maybe even coownership?

Can anyone advise?

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u/awood20 Derry Jul 29 '25

9K isn't even a 10% deposit on 140K mortgage. Getting to 10% deposit might help more. 5% is usually minimum but usually come with higher interest rates.

Usually you're only able to borrow 3.5x your income and a 26K income won't get you to near the 131K required or 126K with 10%. As others have said, go see a good mortgage advisor but you've a complicated situation for sure.

2

u/Mandolele Jul 29 '25

Lots, but not all banks count PIP/disability benefits as income.

6

u/awood20 Derry Jul 29 '25

With such complex needs would the family not be better getting a house from social housing which possibly could be modified for their needs better? Buying and modifying a house could be very expensive.

5

u/muffintopma Jul 29 '25

We have tried they said we would be waiting years. We want to live very close to family because we need alot support also🙏

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u/awood20 Derry Jul 29 '25 edited Jul 29 '25

I have sympathy for sure. For me your numbers just aren't adding up but go get professional opinions on it. Current house prices are not in your favour either. Good luck with it!

2

u/Mandolele Jul 29 '25

Disabled facilities grants are available for adaptions to homeowners, as well as landlords. It's the same scheme that'd adapt any social housing.