R
reddy1982
Guest
I want to apply for a mortgage recently and was provisionally approved for one. Unfortunately, I was diagnosed with HIV two years ago (worst day of my life but am over it now) and I'm afraid I won't be able to get the mortgage protection to go with it. In fact, I'm positive (excuse the pun) that every life assurance company will refuse me cover.
I think I remember reading before that you can't be refused a mortgage just because you can't get the corresponding mortgage protection. Is this correct? Does anyone have any advice they can give me on how I could get the mortgage fully approved without mortgage protection?
I mentioned to my bank when I was discussing the mortgage application that I might have trouble getting mortgage protection and they said I could speak to the branch officer who deals with mortgage protection insurance there and then about it. However, there's so much stigma surrounding HIV that I just couldn't bring myself to blurt out in front of a stranger: 'Oh hey, I'm HIV positive, how will I get insurance!?'
You'll appreciate that I want to be as discreet as possible and would rather not have to tell my bank about my situation but I just don't know how to go about it. Any help or advice much appreciated.
I think I remember reading before that you can't be refused a mortgage just because you can't get the corresponding mortgage protection. Is this correct? Does anyone have any advice they can give me on how I could get the mortgage fully approved without mortgage protection?
I mentioned to my bank when I was discussing the mortgage application that I might have trouble getting mortgage protection and they said I could speak to the branch officer who deals with mortgage protection insurance there and then about it. However, there's so much stigma surrounding HIV that I just couldn't bring myself to blurt out in front of a stranger: 'Oh hey, I'm HIV positive, how will I get insurance!?'
You'll appreciate that I want to be as discreet as possible and would rather not have to tell my bank about my situation but I just don't know how to go about it. Any help or advice much appreciated.