When taking out a mortgage as a couple, two of you applying or two of you going to be in the home, there are some serious considerations that you need to make, to make sure that you’re left with the home and that you can keep the lifestyle that you want to have and that you’re accustomed to if anything were to happen to you or the person you are living with. You want to make sure you can continue to pay the mortgage payment on a monthly basis and also the household bills and that you are not going to potentially lose the home or get a bad credit score because you’ve missed payments or not been able to keep up with the bills and all your living expenses.

You Can Do It!

And you can do that! The thing that you need to ask yourself is how am I going to pay my mortgage and maintain my lifestyle if I were to have an accident or if I were off sick? And what about if it was something more serious, like critical illness, something like cancer, heart attack, stroke, disability. If that was something more serious, that can not only keep you off work for a very, very long time, but it could impact your life so much that you may not even be able to return to work. So you need to make sure that you want to be left with a home and not the debt and that that debt is fully repaid. Would you rather have the home or would you rather have the debt repaid?

Protect Your Loved Ones

And the final thing you need to think about as a couple is what happens if one of you does die tomorrow? How are you going to be able to keep up the mortgage payments? You’ve got the mortgage potentially on two incomes. Take that income out of the equation, how are you going to pay the mortgage payment? How are you going to pay the bills? And do you want the surviving spouse or partner to be left with the home or with the debt? I know what I want to leave my wife with and that’s to leave her with the home and no stress that she’s got to pay the bills, that she’s got to pay the mortgage payment and that can almost become accustomed to the life that she has been used to.

We are Here for You!

If you need assistance as a couple making sure that you’ve got the right protection in place for the unexpected, then please do get in contact with Active Mortgage and we will be more than happy to assist and walk you through the options that are available to you as a couple to make sure that, that home that you’ve worked so hard to get stays yours. Thank you very much and see you on the next one.

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Registered Address: 4, The Capricorn Centre, Cranes Farm Rd, Basildon SS14 3JJ



Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a fee of between £497.00 and £1997.00. The amount we will charge is dependent on the amount of research and administration that is required.

Active Mortgage is a trading name of Active Brokers Limited which is authorised and regulated by the Financial Conduct Authority.

Any other product or service offered by Gary Das (including the publication “The Self-Employed Mortgage guide”) may not be the responsibility of Active Brokers Limited and may also not be subject to regulation by the Financial Conduct Authority