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2 men and a 1 bed house
tcall
Posts: 222 Forumite
We're looking at buying our first home, and due to the area we live in the most we can afford will be a 1 bed property. C&G have agreed a £120,000 mortgage in principle.
Can anyone advise me what problems 2 men buying a 1 bedroom property will raise from the mortgage lender?
Can anyone advise me what problems 2 men buying a 1 bedroom property will raise from the mortgage lender?
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Can't see that there will be any problems. All they care about is whether you can afford the repayments.0
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As long as affordability is there - should be okI am a Mortgage AdviserYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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Don't lenders still insist that gay men are dragged along for aids tests and medical exams?0
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tcall wrote:Don't lenders still insist that gay men are dragged along for aids tests and medical exams?
No!
Some lenders don't like 1 bedroom property regardless to applicant status - but there's enough that will lendAny posts on here are for information and discussion purposes only and shouldn't be seen as (financial) advice.0 -
tcall wrote:Don't lenders still insist that gay men are dragged along for aids tests and medical exams?
Why would they do that? They're only lending money and the property is security ....
Are you thinking of something else?Warning ..... I'm a peri-menopausal axe-wielding maniac
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Thanks guys.
I was under the impression that this was standard practice for lenders, which always seemed strange to me, seeing as the loan is secured, as you say.0 -
For lending purposes - nothing at all like that.I am a Mortgage AdviserYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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Not only will this not happen,but you cannot be penalised/discriminated against for having had a test done anyway, which you used to be I believe, whatever your sexual orientation. An HIV test is offered as standard during pregnancy now, so on forms I have seen it just asks if you've ever had a positive test.Annabeth Charlotte arrived on 7th February 2008, 2.5 weeks early
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In the old days they used to insist on life cover and that's where the problems started but nowadays there is no conditional requirement for protection of any kind other than buildings insurance and as bricks and mortar are inanimate objects without any sexual preference they would not be asking questions about HIV or where the other bloke will be sleeping.
Get the application form in.If you don't know what you are talking about keep quiet0
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