Hi.
I am a complete newbie to the whole mortgage stuff, and already in my mid 40ies.. so time is ticking for me and my partner to apply for a mortgage in the coming months.
I just figured that for a mortgage, we'll need life insurance, and for that there'll be some questions asked obviously.. so I've a history of an eating disorder (non other specified) and self harm for both I've been inpatient in a psych unit in around 2007. I was also on different medications at the time.
That spell lasted a few month I guess, but I have since made a full recovery and went on to become a nurse (which I still am). At the time (2009), I got a handwritten letter by my psychiatrist that I'm in remission and fit to start the nursing degree course (they required that at the start of the course). So I have that.. and no further mental health issues since then.
I also already have a life insurance policy, which I took out a good few years ago, but it's only to secure my son financially should I die, and it cannot be converted into mortgage protection.
What do you guys think..?? Will it be very difficult to get life insurance for a mortgage? Very worried re this as we're under pressure to get on the ladder asap.. thank you..
I am a complete newbie to the whole mortgage stuff, and already in my mid 40ies.. so time is ticking for me and my partner to apply for a mortgage in the coming months.
I just figured that for a mortgage, we'll need life insurance, and for that there'll be some questions asked obviously.. so I've a history of an eating disorder (non other specified) and self harm for both I've been inpatient in a psych unit in around 2007. I was also on different medications at the time.
That spell lasted a few month I guess, but I have since made a full recovery and went on to become a nurse (which I still am). At the time (2009), I got a handwritten letter by my psychiatrist that I'm in remission and fit to start the nursing degree course (they required that at the start of the course). So I have that.. and no further mental health issues since then.
I also already have a life insurance policy, which I took out a good few years ago, but it's only to secure my son financially should I die, and it cannot be converted into mortgage protection.
What do you guys think..?? Will it be very difficult to get life insurance for a mortgage? Very worried re this as we're under pressure to get on the ladder asap.. thank you..