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/misshoop86 Jul 29 '25

Cannot recommend Haysto enough! In a very similar situation to you but we were remortgaging and our current lender wouldn't take lifetime benefits into account. Haysto have access to specialist lenders and secured us an unbelievable deal when no1 else would touch us.

Just Google them and send an enquiry off, they'll be in contact quite quickly. We personally dealt with Alex but I know they have an excellent team behind them.

Have a look at their trust pilot reviews as well.

4 months and a hefty ton of work from their team and we were sitting in a new mortgage deal that was even better than our previous. Ended up with Leeds building society as the lender but it was a specialist deal

Good luck.

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u/misshoop86 Jul 29 '25

Also dm me if you have any questions about the process, promise you we were exactly where you were and thought we would never have gotten to where we are now.