In limbo!

donnacraig1984

Previously posted on this topic. In may we seen a house we liked. I applied for a mortgage through a relative, got a mortgage in principal, saying we could possibly get the 75k i needed or more. Done full app for it came back they could only give me 63k based on £470 per week before tax and NI, £360 after deductions, guessing credit file had something to do with it, few defaults due off soon though. So looked at other houses found 1 cheaper but it was a "4 in a block", told mortgage won't be a problem on that type of property, then phone call after offer was put in accepted via solicitor saying i need a 15% deposit, it is do-able, so went a head, then another week passes and now they want more payslips. Here's the problem! i have dropped my hours for the summer holidays, from 45 to 38 losing just over £70 per week. Will this affect the amount the mortgage company will give? i will be back up to 45 hours after summer holidays. Would i be best waiting until October for last default fall off, giving me a bigger mortgage? Any advice would be appreciated.

Thanks Craig