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Can I get a mortage with no health insurance?

Looking to get a mortgage but my partner has a very rare illness which prevents her from getting any health or life insurance, which I can only imagine means it would be the same for taking out insurance when applying for a mortgage?

Though I would hate the thought of having a mortgage with no insurance, could we still get one? She is currently under investigation but this could take years to resolve. She has never had a day sick off in her life ( no exaggeration) and works through the pain but she does have a condition were only a handful of cases have ever been reported worldwide.

Thanks

Comments

  • amnblog
    amnblog Posts: 12,762 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes you can.

    Life or sickness insurance, although advisable if available, are not required to obtain lending.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, 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.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You could always get insurance just for yourself and review options for your partner once all tests are concluded and you have a confirmed diagnosis.

    Means your partner would not need to worry if anything happened to you, but you wouldn't have the same comfort if your partner wasn't able to get insurance; Perhaps look at saving up 6 - 12 months of outgoings/bills/mortgage to tide you over.
    Mortgage started 2020, aiming to clear 31/12/2029.
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