Mortgage Offer - Received

Gosnell

Hi all,

This is my first post here, so please apologies if it is in the wrong section!

My partner and I have recently been offered a 75% mortgage off of NatWest and provisionally, we are due to move in late January/early February.

I have recently been offered a job within the NHS, which I must stress I have wanted for a long time and the start date for this role is the start of January. I appreciate some people may question why I wish to start a new job a few weeks/month before moving in to our first purchased home, however I’ve wanted this role for an extremely long time.

My worry (and question) is that before Tax and NI there will be an annual drop by approximately £11k should I take this role. The affordability factor isn’t an issue from our point of view, although not necessarily the lender, as since I have come in to my present role, we have both lived within our means as we did beforehand and have saved as opposed to living above and beyond; so dropping isn’t a major concern for us, although again, not necessarily the lender.

The role I am presently in I do not see it as long term and to be perfectly honest I am unhappy within (Q the violon! :rotfl:), it’s something I fell into and have managed to work my way up within, however this role that I have been offered is; and I cannot stress enough it’s something I have wanted for a long time and in the time I’ve waited, have seen it externally advertise approximately on three occasions.

Obviously I do not want to have the offer revoked as the needs of buying a home for my family are a priority, but could some kind soul please advise on what sort of factors the bank take into account should I opt for the January start and would I be at risk of having the offer revoked?

Thanks folks