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Partner only contracting - difficult to find a lender

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Comments

  • Wh05apk
    Wh05apk Posts: 2,938 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Do you need her income to justify the mortgage?
    I am a mortgage adviser.
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • jjthe
    jjthe Posts: 6 Forumite
    Wh05apk wrote: »
    Do you need her income to justify the mortgage?

    Unfortunately so. Otherwise I would apply with my income only.

    Thanks
  • jjthe
    jjthe Posts: 6 Forumite
    Thrugelmir wrote: »
    Then personally I would wait for confirmation of permancy before taking the plunge.

    Yep, this is my current plan. Hopefully it will make a large difference.
  • property.advert
    property.advert Posts: 4,087 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thrugelmir wrote: »
    Then personally I would wait for confirmation of permancy before taking the plunge.

    And then there will be no mortgage for 6 months due to probationary period !
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    property.advert wrote: »
    And then there will be no mortgage for 6 months due to probationary period !

    That's less important than obtaining a mortgage, then losing a source of income, and ending up in default. "Want in now" is a primary cause of the problems that the UK faces today (financially).
  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    property.advert wrote: »
    And then there will be no mortgage for 6 months due to probationary period !

    Not necessarily. Some lenders are ok with probationary periods.

    Speak to a broker to see if it can be done now or if you would be best waiting
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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