Mortgage Dependants Calculation for shared custody

Kieva Forumite Posts: 1 Newbie
Do any mortgage providers take account of the ratio of care in the calculation of dependants for divorced coparents.

For example my 2 children live with me 60% and with their dad 40% so I feel that it should be reflected in the calculation of the financial impact of dependents. Do providers always assume all dependents live 100% with both parents? 


  • ACG
    ACG Forumite Posts: 23,238
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I once had a couple who had 2 kids they had 50/50. The lender was happy for me to put 1 kid down. But that was the exception rather than the rule. 

    I suppose the general rule is whoever is in receipt of the child benefit and/or maintenance is the one who is down as having the dependents. 
    I am a Mortgage Adviser
    You 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.
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