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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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We are due to exchange contracts next weeks on a new build

Resolved Question:

We are due to exchange contracts next weeks on a new build that will be completed next year when we will complete. I have found out I am pregnant and baby will be born before we complete. Is this something I need to declare, can the mortgage company find out if not informed, how does this affect the offer?
Submitted: 2 years ago.
Category: Law
Expert:  Ash replied 2 years ago.
Alex Watts : Hello my name is ***** ***** I will help you with this.
Alex Watts : I assume the original loan application never asked you if you were pregnant or if you intended to have children.
Alex Watts : If not, then you do not need to declare this.
Alex Watts : Potentially if it was asked or if you declared it you may have a claim under the Equality Act if they treated you less favourably.
Alex Watts : So generally no, you do not have to declare you are pregnant.
Alex Watts : Can I clarify anything for you about this today please?
Customer:

Can the mortgage company decline the offer (and we therefore loose deposit money) if they find out I have had a baby before we complete? We were never asked if I was pregnant or planning for a baby.

Alex Watts : No.
Alex Watts : That would be illegal on the basis of your pregnancy
Alex Watts : Does that help?
Customer:

I'm just a bit confused as surely a baby would impact affordability for a mortgage, and a change of circumstances has arisen??

Alex Watts : Yes but they can't discriminate against you for being pregnant
Customer:

Can the mortgage be declined for not disclosing the fact i'm pregnant?

Alex Watts : No.
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