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Mortgage and money advice?

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Jackson
Mortgage and money advice?

I read that self help strategies can be as important as medical treatment in terms of 'taking control' of my Parkinson's. Now I don't understand what this means in practice other than that it is clearly within my power to have control so I guess I had better admit at the outset that I am failing dismally.

In an attempt to 'take control' of my finances (and think I can safely say that it's going to be harder to be positive and in control when I am homeless) I have been trying to find information on mortgages  and Parkinson's  for some time with no joy at all.  Parkinson's UK referred  me to anybody but themselves  and everybody else referred me to Parkinson's UK or my bank / mortgage provider.
My mortgage predates my diagnosis  and is fine,  therefore,  as long as I can keep paying it and don't change it  but there are much better deals out there and I am paying way too much because I am scared to  discuss this with the bank for fear that they will penalise me  for having Parkinson's. Car insurance companies are allowed to do this as  are holiday insurance companies as is my employer so I don't really see why my mortgage company should be any different.  Once I share information  regarding my health  with a financial institution I think that it will be a matter of record which can be shared and I then suspect I may  find getting any sort of credit difficult  - but I don't know this because I can't find anybody to ask.  I also don't know if my current mortgage provider can discriminate against me and refuse to change my current deal or even worse - increase my interest payments - or if there's any chance of anybody else taking me on (though I seriously doubt this). The Money Advice Service  makes vague statements  but gives no actual advice (several signposts though)  and Citizens Advice suggested The Money Advice Service.  Other disability services referred me back to Parkinsons UK -  who don't give information and advice on financial issues (other than  advice regarding benefits).   I can, of course, loan some money to see a private  financial advisor (slightly ironic)  but I don't understand how  they will use my data or how to find one who  will actually be able to advise on this and won't just signpost me to somebody else who can't help.  I know that I need to re-try Citizens Advice but I'm going round in circles  in a very out of control fashion so would be seriously grateful for any advice at all.
J :(

JF

Hi Jackson

I have recently remortgaged to a better deal and a shorter term. At no point was I asked to declare any medical history, only employment details etc. so I don’t see why you need to say anything about your PD. As you say, car insurance is different, presumably because of the increased risk of an accident.

Hope that helps

JF

Jackson

Hi,

Yes and thank you. I'm worried they'll ask if I can think of any reason I may not be able to pay off the mortgage. I'm not good at avoiding questions and won't know what to say but if they aren't going to ask about health it's worth a try. Thanks again. J