Halifax joint mortgage (main in Coma)

mrdoricar

Hi all,

Hoping for some help here. I have limited knowledge of details right now, but will hopefully get more info over the weekend.

Basically my father had a brain hemorrhage on May 13th and hasn't showed any signs of recovery and is still in a coma. He was the only income maker for my parents, and they owe about 60-80K on the mortgage. My Mum hasn't worked for a long time and is 64 now, and not really able to work right now. She is visiting my Dad in hospital everyday and is obviously very upset and depressed about everything.

I believe the mortgage is a joint mortgage, and want some advice on what she can do to continue payments, and/or use protection.

She has paid the last 2 payments, but it quickly running out of money. How can I find out if their mortgage has protection, and will the Disability clause cover such an incident? If worse comes to worst and my father passes away, will the mortgage just automatically be transferred to my Mum, or will it be paid off by his death?

Also same question applies to all of their credit cards/loans.

Any help you can offer me would be great.

I unfortunately live in Japan now, so it's hard doing everything by email and Skype with my Mum. Really want to read all of their documents in person.

Thanks in advance.

James

Yorkshireman99

Your mother needs to tell the lender ASAP and ask what protection there is. It depends on exactly what life cover they have associated with the mortgage.

sleepless_saver

Is there a family member or close friend who could help her look through the papers? It's really hard to do this by yourself if you're stressed and emotional, and aren't sure what you're looking for.