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Tax Credit taken into account? Nhs Workers Mortgages?

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HI,

Does anyone know if or who take tax cerdit/child benefit & non guaranteed bonus' into account please with mortgage applications? Also as a NHS worker i have read that there maybe specialist mortgage companies available with better rates - is this accurate or worth investigating?

Thanks in anticipation of any help,

Comments

  • raq
    raq Posts: 1,716 Forumite
    my family credit and child benefit was taken into account 2 years ago and we are about to change lenders within the next 2 months so I hope it still stands
    :A Tomorrow's just another day - keep smiling
  • homer_j_3
    homer_j_3 Posts: 3,266 Forumite
    Working tax credits and child tax credits are being accepted more and more each day.

    no guaranteed income like overtime or profit share etc will normally be taken at 50%.

    You do not need a specialist mortgage company, just a good broker who will get you the most suitable product to meet your specific requirements such as 2 yr fixed or 5 year capped etc..
    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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