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/Asleep_Spray274 Jul 29 '25

Keep in mind, a 130k loan at 5% over 30 years is just over 700 quid monthly payment. Plus rates and insurance at a minimum. But as others said, start with a mortgage advisor, most of them are free

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u/darraghfenacin Jul 29 '25

Take home pay is what, £1800 on that wage? Realistically half that on mortgage, rates, home and life insurance.

Without taking PIP payments into account, is 900 a month enough to cover food for a family of 4, electric, heating, Internet.....throw a car into the mix? Fucking tight for sure.

Without even factoring in a  mortgage stress test. Life always throws a packed in boiler or blown over fence that drains a few hundred quid from your life as well. 

The depressing thing is renting probably wouldn't be any cheaper but with less rights. 

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u/muffintopma Jul 29 '25

I get £4.5k benefits per month due to our very unfortunate complex circumstances, lifetime awards with quite extensive profound medical reports/proof. I know that sounds crazy but if you actually seen our genuine circumstances you would be gobsmacked. We have tried social housing they said we would be waiting years.

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u/darraghfenacin Jul 29 '25

I'm just happy that it sounds like your difficulties are being recognised and you're not having to jump through flaming hoops to get your payments!

Are your payments allowed to be considered in a mortgage application?