Mortgage, been on maternity leave & single applicant.

scottiejunior · 4 September 2013 at 8:45PM

Hi everyone,

This is my 1st thread (hopefully its a good start).

Soooo its a tad complicated.

I'm 26 and have been on mat leave for a year (been back at work 3 months). I've found a house made a n offer which has been accepted (73500).

I'm buying alone (parter has terrible history).

I've applied for a 90% ltv through a broker who has sent me to halifax. Got an aip then application was sent (which he said was accepted) ive no idea what this mean as it only happens in a couple of hours I know it's not a real offer.

I've had a couple of late credit card payments all from over 3 yrs ago and I've been good since (have a mbna credit card with a large available credit).

I have no debt what so ever and haven't for a few years (but have been wise and used credit and paid off etc).

This is where it gets bit more complicated- I'm a manager in a sales environment and get a monthly commission based on what the department has made (generally around 2-3k per month) as well as my basic wage of 1250. Problem is that I get paid 2 months in arrears so since been back at work I've got 2 payslips with just basic wage then 1 with a healthy commission. Broker asked halifax and they said they will do an average over the last 3 months (as I was on maternity before so I have no year to date figures).

I'm worried that's it's not going to happen and maybe ill end up having to look again in a year. Just wanted to know everyone's thoughts.

Thanks