Mortgage Dependants Calculation for shared custody

Kieva

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

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.