We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

HELP/QUESTION Applying for mortgages

Is it possible to have your spouse income as additional income for yourself to obtain a mortgage? As either rental income or just additional income you are receiving? I am in a strange predicamant with my wife, where she has zero gaps in employment history, but for the last 9 months she has been contracting with Deloitte, which is causing issues but she gets paid a lot and I am struggling to find anyone that will even look at it with her on the app, even with zero gaps in employment history.

Any help or advice greatly appreciated!

Comments

  • Annisele
    Annisele Posts: 4,835 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have you tried using a mortgage broker? Your situation isn't that unusual, but it's a little out of the ordinary - and that's the kind of place where a decent broker can shine.

    A good place to get recommendations for a broker is likely to be your wife's colleagues; some of them will have been in your shoes.
  • Annisele wrote: »
    Have you tried using a mortgage broker? Your situation isn't that unusual, but it's a little out of the ordinary - and that's the kind of place where a decent broker can shine.

    A good place to get recommendations for a broker is likely to be your wife's colleagues; some of them will have been in your shoes.

    It's for me to sort out, she currently lives in London and I'm just outside so I won't have the chance to ask them myself and she wouldn't, she believed men should do everything lol. Has anyone ever used habito?
  • Can any friends/colleagues recommend a good broker?

    You may have more luck posting this on the mortgage board - same section of the forum but its called mortgages/endowments.

    There are some very knowledgeable brokers on there that may be able to point you in the right direction. :)
  • Can any friends/colleagues recommend a good broker?

    You may have more luck posting this on the mortgage board - same section of the forum but its called mortgages/endowments.

    There are some very knowledgeable brokers on there that may be able to point you in the right direction. :)

    Posting there! Sorry did not see that subsection
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604.1K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.