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First Time Buyers Joint Mortgage
steve1982_2
Posts: 3 Newbie
Hi, Me & my girlfriend want to buy our first house just wondering if any problems will arise as i am in a perm full time job, but she is a temp worker - but always finds work. would this go against us when applying for a mortgage? would any of her salary be applicable?
Any advice?
Thanks
Any advice?
Thanks
0
Comments
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You can but try, however I wouldn't be surprised if you get turned down I'm afraid. However, I also wouldn't worry too much, the market certainly isnt going to shoot up any time soon, so if I were you, I'd concentrate on getting you both permanant, full time jobs (easier said than done I know) and if you havent already, start saving up your 10% (minimum) deposit. You'll be much more likely to get accepted then I think.0
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I agree save a deposit for a couple of years, no rush to buy with house prices likely to fall a lot further.:exclamatiScams - Shared Equity, Shared Ownership, Newbuy, Firstbuy and Help to Buy.
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We have a 15% deposit at the moment and looking to move out this time next year. Do you think prices will still be as low by then??0
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History tells us they won't suddenly rocket up, I wouldn't worry. I would concentrate on getting a stable perm job and then making sure you have the highest credit-score possible.0
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In the meantime, try and make that 15% into 25%. If prices keep on falling, that becomes a lot easier!!0
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I think it will depend on what she does and past wage slips!
I am a bank nurse with no guaranteed hours!
They let me and my partner have a mortgage based on his salary and my past wages slips.
The FA said he hoped the mortgage company would feel I was safe bet because although I have no guaranteed work, people are always needed in healthcare. Dont know if this helps.0 -
vicstick86 wrote: »I think it will depend on what she does and past wage slips!
I am a bank nurse with no guaranteed hours!
They let me and my partner have a mortgage based on his salary and my past wages slips.
The FA said he hoped the mortgage company would feel I was safe bet because although I have no guaranteed work, people are always needed in healthcare. Dont know if this helps.
This is the sort of thing we were hoping for - cheers for the advice0
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