Proof of earnings - letter from employer?

starfish2014

Hello,

After some advice - my husband and I are in the process of applying for a mortgage with Leeds and received our AIP last week. I was on maternity leave from Nov 14 to Feb this year then went back to work part time (from home). I spoke to my manager recently who agreed my working hours had returned to full time, effective 1st March so this is the salary we have given for the AIP and full mortgage application. Unfortunately, I have now been informed by my employer that we have missed the pay run for March so I will be paid my part time salary this month and an adjustment will be made in April. I therefore am unable to prove my full time salary until the end of April. Is this going to cause a problem? Will a letter from my employer suffice? Stressing now!

G_M

Is the lender not writing to your employer? Have they already? Will your employer not reply by stating you are full time?

starfish2014

Our mortgage advisor is just about to submit our application so we haven't got that far yet - just wondered what the likely outcome would be. Is it normal for the lender to write to the employer in these circumstances? I don't want to be in a position where we have to wait until the end of April for the payslip and for a decision.

Cuilean

I was off work on sick leave at the time we applied for the mortgage, and my payslips didn't show it very clearly, so we hoped nobody would notice. My company make up SSP to your usual salary, so there was no drop in income. We thought we'd made it to the offer, but suddenly the lender must have noticed SSP, and asked me to write a letter confirming that I would be going back to work, and what my salary would be. They didn't make contact with my employer. After that was received, we were agreed within 24 hours.

starfish2014

Any other experience?

ikorodu

I'd just send in the application. If the lender does not find the evidence they're looking for in my experience they'll ask. I supplied 6 months of payslips with mine but got a call from Yorkshire BS asking what my job actually was. It seems that they were concerned that as my payroll number is low (it's 001) I was a director, I am not! I have also written letters for employees stating their income for mortgage purposes. Sooner you apply the quicker you'll know what's required.

starfish2014

Thanks for the advice, hopefully it'll be ok

dats

Hi ruby, I'm on maternity leave but going back to work soon. In lieu of three recent payslips (although I did submit copies of those too) I asked my employer to write a letter setting out my return to work date, hours and salary, addressed to the lender. This was what they asked me to bring along with other docs when we filled out the application.

Initially, I thought the lender would contact my employer but I checked and they specifically said that I needed to get the letter and bring it with me.

We've had an offer, subject to valuation so presumably they are happy with this.