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New job when to apply for mortgage?
keira1234
Posts: 29 Forumite
My husband works full time and I have been a housewife. I have a part time job starting on 1st June for 16 hours per week. (2 young children so unable to work more at present)
We are in a rented house miles from nursery/work and family so are keen to move ASAP. We have found a house that fits the bill but I need to be working for affordability. At what point would it be sensible to approach a broker or make an offer on the property?
We are in a rented house miles from nursery/work and family so are keen to move ASAP. We have found a house that fits the bill but I need to be working for affordability. At what point would it be sensible to approach a broker or make an offer on the property?
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Comments
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If you have proof your job will start on the 1st June you can make an application (with the right lender) now.
Get in touch with your broker now to discuss your optionsI 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.0 -
We are going through NatWest. My husband started a new job 3 weeks ago but they will not count his income as he has been redundant since January. Until they have 6 months continuous service they won't add it on to affordability. However the in branch mortgage adviser said if push came to shove on affordability they could ask for an exception from head office and put his salary through too. So it is possible!0
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