I was recently diagnosed with Hairy Cell Leukemia (HCL), a rare form of cancer of the blood. I have gotten over the shock of this, and I am very positive about treatment; my consultant says that it is very curative. I will be going for chemo later in the Spring, and I expect to be free of this chronic condition after the treatment.
I am concerned about the impact of this on our future prospect of re-mortgaging getting away from our current mortgage providers PTSB. We really want to leave them, as we are being fleeced on their SVR and we are currently hovering at about 90% LTV, having been in NE of about €150K. We are currently saving for legal fees to shop around. We had decided to remortgage prior to the diagnosis, and I wonder now if anyone will touch us with this condition? Our mortgage protection insurance is life cover only, there is no critical illness aspect to it, so we will not be able to claim on this policy.
My other concern is do I inform BOI/Lifetime who I arranged this cover with 11 years ago when we first took out the mortgage on our current home. I'd be concerned that later down the road they might refuse a claim from my wife if I were to die from some other form of chronic illness if I do not inform them of the current condition and treatment.
Apologies of this is the wrong forum for this one. If anyone can advise, it would be appreciated.
I am concerned about the impact of this on our future prospect of re-mortgaging getting away from our current mortgage providers PTSB. We really want to leave them, as we are being fleeced on their SVR and we are currently hovering at about 90% LTV, having been in NE of about €150K. We are currently saving for legal fees to shop around. We had decided to remortgage prior to the diagnosis, and I wonder now if anyone will touch us with this condition? Our mortgage protection insurance is life cover only, there is no critical illness aspect to it, so we will not be able to claim on this policy.
My other concern is do I inform BOI/Lifetime who I arranged this cover with 11 years ago when we first took out the mortgage on our current home. I'd be concerned that later down the road they might refuse a claim from my wife if I were to die from some other form of chronic illness if I do not inform them of the current condition and treatment.
Apologies of this is the wrong forum for this one. If anyone can advise, it would be appreciated.