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Hello my name is ***** ***** I will help you with this.
For now please let me know whether they ever asked if you were pregnant please?
no, not once. but on the very first appointment, our bank mortgage advisor said that they are "only need too know if you ,lets say,7-8 months pregnant"that words exactly.
If you have not been asked, it is not on the documents then you need not disclose it.
Indeed if they treat you any different because you are pregnant this could be illegal under the Equality Act 2010
But if they do not ask, you do not need to disclose it
Can I clarify anything for you about this today please?
they did asked if we have any Dependants and specificaly asked "children or other people we carry for".We are not, but is this unborn child be classed as"Dependant" in this light?
I don't think so no
You don't have any children yet
Can I clarify anything else for you?
we were looking for any information on our mortgage deal where there could be mention anything about the pregnancy etc. and we find nothing. Tf the bank do required such info will it be disclosed on any documents that we already got from them? in mortgage application we agreed to"notify of any changes in circumstances relating to my purchase or mortgage before it is entered and I authorize my conveyancer to disclose such information to you" -is finding out we are pregnant can be classified as such? In another part it says, that we understand that our mortgage may be refused if they discovered that"I or any joint applicant have provided false or incomplete information".Is holding back info about us being pregnant is such thing?
It is not false or incomplete. They have never asked if you are pregnant. Therefore you do not need to disclose it
Does that help?
yes,.a lot actually. Last one:if we would call the advisor now and let him know about the pregnancy will they be doing the mortgage deal all over again?
It may be if it is disclosed they might have to consider affordability, so it may have to be re-assessed again
ok thank you