Question
I am HIV positive, can I get a mortgage or life insurance?
14 May 2010. Related: All topics, Support, Travel.
Can HIV positive people get a mortgage in the UK and/or life insurance? Can anyone legally turn you away because of your HIV status?
Answer
Thank you for your question.
There are insurance companies which deal specifically with HIV positive people. One such company called ‘It’s so easy’ who has previously been providing travel insurance specifically for HIV positive people is now providing life assurance as well. To contact them you can go to their website at http://www.hivlifeassurance.com/ or call 0845 222 2226.
Mortgages are available based on your credit history, job and income not based on your health status. Mortgage brokers will not ask about your health status and being HIV positive should not be an issue when applying for a mortgage.
For any further information please feel free to contact us again either via the website or on the phoneline (Mon-Wed 12-4pm)
Good question. Thanks for sharing this article.
Hi Artur,
I’m sorry but this is outside of our area of expertise. Also, because laws are different in different countries this would depend on where you live. In the UK mortgage companies and insurance companies can not use HIV status in applications, except for life insurance. For help with this issue you can contact an activist organisation in your country who should be able to help. If you live in the UK you can contact THT, who should be able to give you advice on this area.
Hi! I have applied recently for shared ownership property to buy and being HIV positive makes me worry that I might me turn away due to my health. Moreover on the on line questionnaire that I’m obliged to fill in order to proceed my application are couple of question about HIV status and also one question about hepatitis.
The question I have is, do I have to answer to those quires,does the company which is dealing with mortgage has actually rights to ask those questions?
I have strong feeling that telling about my HIV status will stop me to get the mortgage definitely.
I will be the most content to hear from you soon with any advice that you may provide it.
Regards.Artur