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Mortgage with new contract (newly qualified nurse)
mrss1234
Posts: 4 Newbie
Having a bit of a wobble so after some advice 
We've gone through a broker and have a decision in principle after having our offer accepted on a property. This is based upon my husband's full time salary and my future salary. I am just coming to the end of my nursing degree and have a post starting in September. I have a start date and contract however this is conditional upon me completing the course. The broker has a copy and has selected a lender that will take contracts of employment however I'm concerned that not being able to say on paper that I will qualify (even though I will) will result in rejection.
The trust can confirm that I have a post and the start date but not sure that this will be enough as my professional registration takes time to come through.
Any advice or experiences shared would be most appreciated, really worried about it today! Not sure whether to contact the broker again before Wednesday (when we are meeting to complete the full application) or if I'm being unnecessarily cautious
We've gone through a broker and have a decision in principle after having our offer accepted on a property. This is based upon my husband's full time salary and my future salary. I am just coming to the end of my nursing degree and have a post starting in September. I have a start date and contract however this is conditional upon me completing the course. The broker has a copy and has selected a lender that will take contracts of employment however I'm concerned that not being able to say on paper that I will qualify (even though I will) will result in rejection.
The trust can confirm that I have a post and the start date but not sure that this will be enough as my professional registration takes time to come through.
Any advice or experiences shared would be most appreciated, really worried about it today! Not sure whether to contact the broker again before Wednesday (when we are meeting to complete the full application) or if I'm being unnecessarily cautious
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Comments
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Not sure what you are asking?
Do you believe the broker is mis-leading you?
Lenders have differing views towards upcoming employment, if the right lender has been selected you employment situation is not, it itself, a problem.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
No, I totally trust our broker, I think I'm perhaps overthinking. I technically haven't qualified yet so if they ask the trust to confirm my post, they can only say, 'yes, subject to this and this' - which I can't do until September because of the way the registration works.
I'm sorry if I haven't made it too clear, I guess I'm concerned the building society will say, well how do we know you'll complete the course?0 -
This should be fine, if i remember correctly its about getting your pin? is that correct. It's been a while since I dealt with such a subject.
Not sure what lender your broker has gone for, but when I worked there this would have been totally fine with Nationwide.I am a Mortgage & Protection Broker
MSE doesn't check my status so you have to take my word for it. Any information posted is for discussion only and should not be seen as advice. I am FCA Registered, registration details available on request.0 -
Thank you!
I have 7 weeks left of placement to get enough hours and that's it, I've been signed off as competent but university will do their final board 12th September i believe. All of the academic stuff is finished0
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