Interested in speaking to mortgage brokers about their experience placing mortgages for clients with disabilities.&nbsp;<ul><li>What is the process like? Is it different or the same as placing mortgage for an able client?&nbsp;</li><li>What are the considerations you have to make in these cases?&nbsp;</li><li>Are you aware of schemes like Home ownership for people with long-term disabilities (HOLD) which operates like shared ownership? Should there be more schemes like this/more product choice?</li></ul>

mortgages

Disability and mortgages 

I have processed two applications recently that involved a high level of disability allowances. One of the applicants was interested in utilizing the HOLD scheme. My experience with mortgage lenders in this regard has been positive. While they require benefit income, the permanent nature of disability allowance was typically accepted, and considered as 100% income by most lenders. The only additional step required was to gather more paperwork, but this was not a major concern. However, the main challenge I encountered was with the applicant who wanted to use the HOLD scheme. They faced difficulty in finding suitable properties in their local area and expressed that there was limited information available online about this scheme. I believe there should be alternative products on the market to help these applicants.

Jamie Alexander

Alexander Southwell Mortgages is a modern, independent mortgage brokerage built around one simple principle: good advice shouldn’t come with pressure, confusion, or unnecessary fees. We specialise in fee-free mortgage advice across the UK, helping first-time buyers, home movers, remortgages and more complex cases navigate one of the biggest financial decisions they’ll ever make, with clarity and confidence. We don’t believe in “one-size-fits-all” mortgages. Every recommendation starts with understanding the person behind the application. Your income, plans, concerns, and future goals matter just as much as interest rates. That’s why our advice is personal, considered, and always tailored, not rushed, scripted, or sales-led. Alongside expert, whole-of-market advice, we provide practical tools and straight-talking guidance to help you make informed decisions. From affordability checks and mortgage calculators to plain-English explanations of your options, we strip away the jargon and focus on what actually matters to you. What really sets us apart is how we work. We’re proactive, transparent, and easy to deal with. You’ll have direct access to experienced advisers.

Disability and mortgages

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Jamie Alexander

Mortgage Director at Alexander Southwell Mortgages

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