We usually pay the mortgage by laser but when we didn't I got a call & i explained to the lender that my partner had just lost his job & now everything is up in the air.
She was very nice about it. Said she could see no reason why they wouldn't let us go interest only for a while. We can barely afford to pay our ESB never mind the interest on a mortgage with no income.
So she is ringing me Monday and wants a breakdown of household figures. Is this the norm? Will we be made get rid of our basic Sky package -middle of a contract, Broadband, Health Insurance. I don't want do mess this one up.
You mentioned you have no income - if you and/or your partner are on a Social Welfare payment, or if you are working less than 30 hours per week yourself, you may be entitled to Mortgage Interest Supplement.
You can find out more from this website -
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Applications are made to the Community Welfare Officer, generally at your local health centre (although some areas have postal services only for Mortgage Interest Supplement applications).