Employment history

freeman3030

My partner and I hope to buy a flat together this year. We've sorted a deposit and saved for fees for solicitors and home buyers reports etc. I've since been researching mortgage advisors to help get us a good deal, but I'm concerned about my partners employment history as he is the bread winner in our relationship. He originally worked for an insurance company for 18 months, he then got a better paid job at another insurance company, but left working there after only 3 months because they got funny about him taking various day off for hospital appointments as he had a health scare. He was unemployed for 6 months until getting a job in a marketing company which he has now been there for 8 months and gained a promotion in that time.
I on the other hand have been employed by the same employer for the past 5 years and would most likely be looked upon as 'stable'.
What I'm asking is, because of my partners flakey employment history, are they more likely to decline a mortgage application, or will we just pay a higher rate because of us being seen as higher risk?
Many thanks

Jimbo1976

I don't think there should be a problem with your partner's employment history, he may lose a few credit scoring points for having multiple jobs but it should not have a huge impact. The size of your deposit and credit histories will play a much bigger role in the decision.

If you are worried ask your mortgage adviser to get you an agreement in principle.

Good luck

ACG

6 months is ok for the majority of lenders. Some do insist on 12 months continuous employment, make sure you or your mortgage advisor asks the question before you make an application but i wouldnt worry too much about it.