Mortgage

[kath58]

My son and I live in rented accommodation. My son has downs syndrome and autism level 8.

The landlady now wants to sell the property.

Could my son get a mortgage even though he lacks capacity? He is 22 years old.

Any advice would be very much appreciated

[Jofisher]

Speak to the mencap helpline they will be able to advise you I’m sure or speak to the Downes association. Are you a deputy for your son ?

[SpeedyH]

I think you might need to seek expert advice on this question as there are so many aspects to it. I’m guessing it depends on how an expert assesses his capacity, and then whether you are able to apply for LPA/Court of Protection, whether anyone will actually give you a mortgage, what the implications are for housing benefit/his care contribution/any future care you personally might need if you are living with him etc. If you are at a point where you are considering future care and accommodation for your son when you are no longer around, perhaps contact adult social care and ask about his options for living in his own own home or supported living with others and so on.

[Lucacielle]

Hi

You could look up MySafeHomes...l they could help with what you are looking for ..tel no 02476 402211

[Drumlove]

From what I know a regular secure income is what they are looking for. They like £20/25k per annum. Enough to cover the mortgage with stress test of 145% incase of any future increases. Talk to a good mortgage broker, all of market. You will need a deposit too. 15-25% of purchase price. Local authority do schemes too. Part buy part rent. Worth a look. Good luck.