Is our mortgage provider likely to re-mortgage, or renew a mortgage, and by how much (what multiple of ‘income’) if:
a) one of the two applicants is disabled and not working due to Parkinson’s disease and on benefits like PIPS, etc.; while the second applicant is their full-time carer and on benefits like carer’s allowance, etc.?
b) one of the two applicants is disabled and not working due to Parkinson’s disease and on benefits like PIPS, etc.; while the second applicant is working part-time and on benefits like carer’s allowance, etc.?
c) one of the two applicants is disabled and not working due to Parkinson’s disease and on benefits like PIPS, etc.; while the second applicant is working full time?
d) what evidence of ‘proof of income’ would they need, etc. in relation to benefits?
e) if you, or your partner receive a gift of a financial lumpsum from a relative needed towards a deposit/overpayment, how can that be best handled to avoid negatively impacting benefits, assuming one or both partners are on them?
What other advice / information / benefit of experience can you provide please? Thanks.