FTB- Mortgage Help PLease?!!!!

MrsWoolfe

Hello all, posted this in the house-buying, renting and selling board but thought perhaps someone here might be able to help....I hope!!!


I've been a lurker for a while but don't often post. But I'm getting quite stressed and worried and wondered if you lovely people could help?

We have been looking for our first home for 9mths and have recently found a house we really like and after a fair bit of negotiating have had our offer accepted yesterday all good very happy deposit in place solicitors ready to go Mortgage adviser checking out rates and best deals for agreed price ....

then the advisor asked if he could come over and talk through everything tonight, I said sure but could be as early as he'd asked as I've a hospital appointment and may not be back until after 5....

Adviser then comes back and says that he will need my medical history- dates, times all medications taken and diagnosis and details of all sick leave....

I wrote back and gave a summary- I had a severe Kidney infection in Sept 2007 which developed into septecimia- was in hospital for 3 weeks and then had repeat infections for approx 18mths and an allergiv reaction to some of the anti-biotics which caused a few issues- in the end no problems were discovered and no long term damage/issues etc were diagnosed which was really lucky I know the infections simply eased off. NOw all together I had about 6mths on sick leave due to this issue, but since Feb 09 have had no problems related to this until now.

2 weeks ago I went to the docs for something small and when they took my blood pressure reading things weren't good- I had really high BP (was technically in hyper-tensive crisis) so they put me straight on medication and are doing blood tests etc as well as checking with my kidneys to make sure nothing untoward going on given the infections I had before- all ok so far and am just waiting for tests to confirm things are ok, but overall feel fine and am not too worried...

My problem is that now the MA has said that we probably won't be able to get a decision on the mortgage until the investigations are completed and that the lender will want a complete medical history as well as to speak to my GP- the vendor is very keen to complete quickly as they have already left the UK and one of the reasons they agreed to the lower price was on the basis that we agreed to complete within a fairly short time-frame...given that they are checking everything out to make sure everything is fine (i'm only 28 so they are being careful as it's unusual for BP to be as high as mine at my age etc) the test could take a while to do....

SO I guess what I'm asking, is has anyone else had this issue? Is asking for medical history standard now? I would understand if this was for insurance or something but I already have good life assurance and critical illness cover and my work cover me until those policies kick in IF anything should happen, so I don't understand why the lender needs this information on top of the cover I already have?

Help!

I'm sorry it's so long and rambly but it's really upsetting me- feel like I'm being punished for being ill

thanks for reading if you got this far

MrsWoolfe

herbiesjp

Is he saying your medical history is impacting on the actual mortgage?

Or on a protection policy to cover the mortgage?

MrsWoolfe

He's saying the lender won't make a decision (i.e. move from AIP to actual mortgage) until I have a diagnosis- he is only quoting for the mortgage so I think that's what he is talking about.

Payment protection hasn't been mentioned at all...