Help please!

Em_con

Hello,

My husband and I have sold our house STC and have seen a house that we should easily be able to afford and are very interested in, but we are not able to at the moment due to job complications, namely:
-I am in an acting up role and my pay packet shows the additional salary as 'additional duties' and we have therefore been informed won't be taken into account by lenders (expecting to get the job I am acting up in soon but no date yet).

-my husband has a new job (the main reason we are moving) in which he is told he will get quite a significant bonus each year as standard. We were told that some lenders would take 50% of the bonus into account when making an offer by our advisor, but the lenders we have contacted have said they won't (or at least not for two years).

My husband left a job where he had been employed for 8 years for this new post and always received his bonus and we both have impeccable credit history and have had a mortgage for 5.5 years with never any default or issues with repayments.

Does anyone have any advice at all on whether there is anything we can do to get lenders to offer a bigger mortgage in this situation? We have a really big deposit but it is the monthly repayments that are making them twitchy, but given that I am currently being paid a higher salary than they will take into account and expect that to become my permanent salary any time soon and my husband had been told he will receive the bonus and we are excellent at money management, none of this seems to be taken into account. Please help!

AnotherJoe

I think you would have been better advised by your broker (if you are using one) to wait.

Essentially your post boils down to "can't they just take our word for it?"

expect that to become my permanent salary any time soon and my husband had been told he will receive the bonus ...

All a bit waffly really if you think about it. The days are long gone when they would take your word for it. Imagine you are the person who authorised this, it all goes wrong and you turn to your boss and say "but they told me that they'd been told that they would get their raise and bonus anytime soon.

I think you may need to wait 6 months and you've been premature putting your house on the market at this time of change for both of you. The phrase "jumped the gun" springs to mind.