Mortgage without payslips or bank statements

jintynetty · 20 June 2009 at 10:51PM

Please help! Myself and my husband are currently trying to buy our first house! I was the main wage earner while my husband was applying for a new job and initially our mortgage was approved. We put an offer in for the house we liked and it was accepted! Exciting times! When the application went to the underwriter they rejected the application because it turns out I had a default registered against me 4 years ago from a previous address :embarasse! My husband has excellent credit and our mortgage advisor suggested that he try and get the mortgage on his own, but he did not earn enough for this! I was gutted! Then he was offered one of the jobs he applied for, although he has not started yet, there is no probationery period and his salary is more than enough to cover the mortgage! Can we still get a mortgage based on his letter offering him employment?

dunstonh · 20 June 2009 at 11:29PM

You will have to ask the mortgage adviser to put the case to the underwriter again with that new information. A letter confirming income and no probationary period could be enough to swing it. However, it would depend on the other facts that only they know.