Getting A Mortgage If HIV Positive – By Chris Morgan

Getting A Mortgage If HIV Positive – By Chris Morgan

First Published in 2004 and rewritten in September 2010


Many HIV positive people avoid applying for a mortgage, due to fear that they will be declined. The fear of personal questions about their health, and the worry of being declined, means that many avoid buying a home.

It’s widely believed that a persons HIV status will be seen as a risk too far for the bank and their application would be declined. The gay community especially, has been led to believe that they are unable to buy a property without a HIV test.

The fact is that no mortgage lender actually asks about HIV and Aids on their application form. Their questions relate to financial, residential and credit history only. If this is the case, why do many HIV positive people have difficulty raising finance?


Life assurance, Critical Illness and Sickness Cover applications, all carry health question and specifically ask if you’ve tested positive for HIV and AIDS. ****** You will not obtain any of these insurance’s upon answering, “yes” to this question. As many mortgages, have associated insurance this could jeopardise your chances of getting the finance. ******

******* The New HIV Life Assurance products now mean that people can potentially obtain Life Assurance if they are HIV Positive. This article shows some of the repression that people with HIV have faced over the last decade. Visit some of the other articles on this blog to find out more about HIV Life Assurance *******


Many Banks and Building Societies will interview any potential borrower before advancing funds. During this meeting, the bank employee will build a rapport, assess your needs and offer all the associated products that go with the mortgage.

Many of these products come strongly recommended, and sometimes are even a condition of the loan. This is where problems for positive people can start. Trying to explain to the mortgage adviser that you do not want life assurance, and finding a valid reason, without revealing status, can be a difficult. Especially if the adviser is target driven and persistent.


Mortgage Brokers and Financial Advisers can also prove tricky, as they also tend to offer life assurance as part of any deal. Commission is higher on insurance, than mortgages and they therefore will be keen to cross sell.

Many positive people again feel pressured, confused, even frightened, by insistent advisers. They’ve sometimes even been known to sign for insurance, on a lie about their status.


There are many mortgage lenders that accept applications, without condition of life assurance. It’s just a case of knowing which to approach? The only consideration of most lenders is your affordability. If you meet their financial criteria, that is all that matters. `

They will ask for a deposit, proof of address, normally in the form of utility bills, proof of earning (payslips or accounts), and proof of identity.

Some Positive people will have the right to buy their Local Authority property and many mortgage lenders see this is a very low risk situation. The discount offered by the local authority will provide ample security.

It should be noted that if benefits are someone’s only source of income, Lenders will not advance funds. They would require another form of income alongside. Either Self-Employed, Full-Time or Part-Time earnings.


If you find yourself in a difficult position regarding insurances, you should tell the Bank, Building Society, or Financial Adviser – that due to past health issues, you’re unlikely to obtain cover. Explain that you’ve tried to obtain cover in the past and they will not be able to obtain cover on your behalf.

****** If you are worried about not having life assurance, then you should explore the NEW HIV Life Assurance products that are coming onto the market. Some people living with HIV still may not be insurable, but many people taking HAART therapy compliantly will be able to have HIV Life Assurance at realistic premiums. *********

This should discourage them from offering insurance, and you’re under no obligation to be more specific than this. The risk in this is that their attitude towards you may change at this point, as they realise their earnings for arranging your mortgage are going to be lower. If this happens then you should find another adviser.


Find a friendly adviser, who understands the needs of Positive People. It’s best if your adviser arranges the mortgage on a fee basis, as they then will not be reliant on commissions from any insurance products.

Any commission earned from the selected mortgage lender should then be rebated, against your fee. If the adviser has experience of advising HIV positive people, you will feel able to discuss your personal affairs more openly.

Health history, employment changes and your personal outlook for the future, are all highly relevant issues when taking a mortgage. All are key factors in helping you decide on an amount of borrowing and the level of commitment you should make.

The mortgage adviser will help you decide on an affordable mortgage, that suits your needs. They will also advise on savings, for a rainy day. If you’re not able to obtain accident and sickness insurance alongside your mortgage, you should set about insuring yourself.

Positive Finance, the Finance Website and Now Blog for people living with HIV are very proud to have led the campaign for HIV Life Assurance and this article shows some of the repression we were fighting against for HIV Positive people.


Most of our suggestions were taken on board by the Life Assurance industry, with our editor Chris Morgan sitting on the industry HIV Working Group that made HIV Life Assurance possible during our campaign.


If you require HIV Life Assurance or Mortgage advice please contact our sponsors Compass Mortgage & Insurance Services. They may be contacted by phoning 0845 474 3075 or by email


Their website is




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