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Child dependent

  • 09-10-2019 12:22am
    #1
    PR79
    Registered Users, Registered Users 2 Posts: 15 ✭


    I was wondering if someone can help. Myself and my wife have separated and my name has been removed from the mortgage. She has sole custody of the children. I see them often and pay maintenance etc. I'm looking to get a mortgage but when I put in 2 dependents I'm pretty much hit with mortgage refusal or less than half of what I'm looking for. It's my belief that the children can only depend on one parent in this situation therefore I wouldn't have any dependents. Would this be true?


Comments

  • #2
    holliehobbie
    Registered Users, Registered Users 2 Posts: 409 ✭✭holliehobbie


    Nope. They're your children too!


  • #3
    PR79
    Registered Users, Registered Users 2 Posts: 15 ✭PR79


    holliehobbie wrote: »
    Nope. They're your children too!


    Yes I know that. This a financial question, not a moral one. But I don't claim child benefit. Is the dependant question taking into accpunt that child maintenance s being paid.


  • #4
    jimmycrackcorm
    Registered Users, Registered Users 2 Posts: 14,378 ✭✭✭✭jimmycrackcorm


    You really need to go to a good broker who will manage the situation.

    Basically it's about affordability when how much you are paying in maintenance is taken into account.


  • #5
    LastStop
    Registered Users, Registered Users 2 Posts: 311 ✭✭LastStop


    PR79 wrote: »
    She has sole custody of the children. I see them often and pay maintenance etc.

    You have 2 dependents. You have 2 financial commitments until they are 18 or 20 something if they go to college.


    Also recently KBC bank secured prosecutions against a couple who provided false information and documents, so don't think, oh I'll just go to a broker and say I have zero dependents, you could land in serious trouble.


  • #6
    utyh2ikcq9z76b
    Closed Accounts Posts: 1,213 ✭✭✭utyh2ikcq9z76b


    I think your right, you only state as dependents when your the primary care giver


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