u/d0288

My (37M) OH (45F) have an 8 year age gap and, because of this, we are being quoted (by an indepedent mortgage advisor) only a 23 year term up to her retirement age. I am 38 years old and according to my research, I should be able to get a mortgage term of 33 years.

My broker is adamant that we can only borrow based on my wife's age. Can anyone here verify this, or is there hope for me still? Ideally i'd like a 30 year mortgage as the monthly repayments on a 23 year are too high for my budget right now. I have generally been the primary earner and likely will do, with life insurance to cover should anything happy to me, so I feel comfortable with taking up a 30 year mortgage.

I've just had a call from the estate agent that my landlord has issued a notice to end the tenancy, which will be arriving in the post.

I'm a bit in shock, so I'm posting here to ask for tips and advice, as I have a family with 2 kids and I don't think we will find somewhere in 2 months.

I know I should have been prepared for this, but we've been dealing with very difficult circumstances over the last 2 years so I was hoping we could ride this out until we bought somewhere.

The good thing is that we are ready to buy somewhere, but we haven't even started viewing, so it could be months before we have the keys to our next place. I want to avoid as much as possible moving into another rental, because the costs involved will set us back and the rental market has gone haywire here over the years, with not much choice out there.

I'm not sure exactly what I'm asking here, but if there's any tips or things that you think are helpful, I would welcome that.

Edit: Update - They've just emailed the s21 through on 30th April. Is this considered a valid method of delivery?

Edit 2: Further update - it's still 30th April and an s21 has come through the mailbox. It's royal mail date stamped 30/4 so it looks to me like the landlord has managed to meet the deadline.

Edit 3: There's been a huge response and this community has been nothing short of amazing! I am grateful and everyone who has taken the time to respond to my post. The outcome is that I have written to the landlord to negotiate a 6 month exit based on my intentions to purchase somewhere. Both the S21 and all other areas of landlord responsibilities have been compliant, so there was nothing I could find there. Will update here the outcome of the negotiation. Either way, let the house hunt commence!