firstDirect, discrimination?

haras_nosirrah

You could always ask them if confirmation from your wife's employer of her return to work plan would be acceptable. They would also need to know your plan for childcare and the costs involved with that. Friends of mine who have returned to work full time are instead spending in excess of 1k a month on full time childcare

[Deleted User]

Because you can't just assume that every 'woman of child bearing age' is going to have, or wants to have, children? I am of the age you speak (I assume, I don't actually know what archaic rules you're working from) and don't ever want kids, so I wouldn't expect them to take any hypothetical children into account. If I actually had a child growing inside me then the logical assumption would probably be that the child is going to be born.

GingerBob_3

marksoton wrote: »

Then every person who's filled out a mortgage agreement in the last few years must be outraged because it's certainly something that's asked.

Thankfully I've not filled out a mortgage application for 20 years. I deduce from this thread that these scumbag banks now ask if a woman is pregnant? If so, it is obnoxious in the extreme that they should do so.

Malmo

GingerBob wrote: »

Thankfully I've not filled out a mortgage application for 20 years. I deduce from this thread that these scumbag banks now ask if a woman is pregnant? If so, it is obnoxious in the extreme that they should do so.

No, they do not. They ask about material changes in circumstances. Having a child is a material change and it impacts on household finances and affordability.

GingerBob_3

Malmo wrote: »

No, they do not. They ask about material changes in circumstances. Having a child is a material change and it impacts on household finances and affordability.

Fair enough. So you state no material changes, then as soon as your mortgage is agreed your wife gets pregnant. What are they going to do about it?

Thrugelmir

GingerBob wrote: »

Fair enough. So you state no material changes, then as soon as your mortgage is agreed your wife gets pregnant. What are they going to do about it?

Nothing. That's not the OP's point though.

Thrugelmir

haras_nosirrah wrote: »

You could always ask them if confirmation from your wife's employer of her return to work plan would be acceptable.

At this point in time. An employer isn't a position to answer this question. As the decision lies entirely with the employee.

Goldiegirl

GingerBob wrote: »

Fair enough. So you state no material changes, then as soon as your mortgage is agreed your wife gets pregnant. What are they going to do about it?

Nothing as long as the mortgage continues to be paid


If you find that you can't afford the mortgage because of your increasing family and stop paying the mortgage, they'll get a court order and evict you. That's what they'd do about it

amnblog

Lenders ask if you expect a material change in your circumstances.

Anything declared must be taken into account.

Anything known but not declared could be fraudulent.

Therefore an addition to the family expected in 14 weeks is a material change.

Trying for a child now, or falling pregnant after mortgage offer is clearly a grey area as a 'material change'.

It is not prefect, but applying black and white rules to the vagaries of life seldom is.

TravelBugHappy

As a woman it annoys me when others use the 'sex discrimination' card so freely.

Being pregnant leads to having a child and that child will definitely have an impact on your financial situation.

Your wife is likely (statistically) to either return to work part time and/or incur significant childcare fees.

The banks would be foolish to ignore this and presume that post baby your wife will be able to earn the same amount and together you will have the same amount of surplus income.

Please stop shouting discrimination and get real.