This can be a tricky area to figure out as companies have to balance risk and payout avoidance while working within standard guidlines.
Getting the mortgage shouldn't be a problem - the hassle is all the T&C's about life insurance and critical illness cover tied in with mortgage insurances :(
The big difference is between if you have been tested and found to just be a brca carrier or if you have already had cancer diagnosed and then found to be brca; In which case the cancer would have to be mentioned.
I found this on a life insurance info webpage - although it is a couple of years old and may have been amended since ?
"When you apply for Life Insurance, Critical Illness Cover or Income Protection it can be quite daunting to understand what you do and do not need to tell the insurance provider. As a general rule of thumb you should tell them absolutely everything that is relevant to your medical history.
However, a big exception to this is if you have had genetic testing to see if you carry a mutation of the BRCA1 and BRCA2 genes. Insurance providers are not allowed to penalise your application for Life Insurance, Critical Illness or Income Protection if you have been shown to have a mutation in the BRCA1/BRCA2 genes. This is because whilst you have the gene it does not automatically mean that you will definitely develop cancer at some point, you are just at a heightened risk of doing so"
For most cases where the genetic test has been performed due to family history you will not need to inform the insurance provider that you have had the tests done, or the results of the test.
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You could use the free phone Mac Support Line tomorrow using the number and info at the bottom of the page and ask to speak to one of the Macmillan Financial Advisors who would probably have more up to date information about this area and could help ?
When you go for a mortgage or insurance, make sure that the company is independent and doesn't have any business links with other partners. There are many like these on the market today, so be careful where you apply for a loan because you can get into a net from where it will be very hard to get out. To avoid getting on a company like these, it's better to consult a Mortgage Broker Chelmsford, he will give you all the necessary information, and you will be sure that everything will be okay, without any incidents.
