FTB waiting for mortgage offer

lucywalker25

Hello
We have applied for a mortgage through leeds bs.We have had the valuation done and searches all good came back last week.My husband is the first app earning 25k a year, I am the 2nd app,I earn 6k a year for 3 years I'm on a zero hr contract as im a care worker.We are asking to lend 79k and have a deposit of 15k the house we are wanting to buy is 93k.Has anyone been offered a mortgage with the 2nd applicant been on zero hr contract? Leeds wrote to my employers and they have my 3yr employment history which they sent back to leeds bs.Im so worried we will get rejected with them writing to my employers can anyone help please?

Annisele

I don't know what Leeds will say.

But if it was going to reject you out of hand, I think it would have done that already. There's no point in it wasting its own time writing to your employer if it's going to reject you whatever your employer says.

libf

lucywalker25 wrote: »

Hello
We have applied for a mortgage through leeds bs.We have had the valuation done and searches all good came back last week.My husband is the first app earning 25k a year, I am the 2nd app,I earn 6k a year for 3 years I'm on a zero hr contract as im a care worker.We are asking to lend 79k and have a deposit of 15k the house we are wanting to buy is 93k.Has anyone been offered a mortgage with the 2nd applicant been on zero hr contract? Leeds wrote to my employers and they have my 3yr employment history which they sent back to leeds bs.Im so worried we will get rejected with them writing to my employers can anyone help please?

Did you research what the Leeds policy on your employment type is? Or engage a broker to do this for you?

(Also, you borrow money from a mortgage company. They lend it to you.)

lucywalker25

Sorry first time iv been on these forums and not very good at wording things,Went through a broker but he's now on holiday for 2 weeks, looking on leeds criteria it says 6mth employment but does not state zero hr contracts anywhere.Iv been getting regular work for 5yrs on zero hr contract and never go under 15hrs a week, my job fits around our two children, so I was wondering if anyone else had managed to get a mortgage offer with 2nd applicant being on a zero hr contract?

libf

Contact whoever is picking up your case in your broker's absence if you're worried.

lucywalker25

Full app gone in with Kensington.Anyone got a mortgage offer with Kensington please?