Permanent Employment Contract but can't get a mortgage

susiethomas1983

My partner and I have found a property we want to buy and have had our offer accepted.

We have a decent deposit but due to us both changing jobs, we are having issues getting a mortgage (I have a mortgage in my sole name on our current property through Halifax). We are both currently in full-time permanent employment and our new positions are also full-time permanent positions, however, there is a complication with my role which I will explain shortly. It's worth adding that my salary is going up by £15k, hence I don't want to turn down the role!

My partner is due to start his job w/c 20 March and has no probationary period and I am due to start my role w/c 3 April and I have a six month probationary period.

The complexity is that my new role is a permanent contract of employment with an employment agency but contracted to a large reputable company (I will be directly employed by the company but the contract is between the company and the agency).

We have sought advice from our financial advisor and he has tried a number of the high street banks (including my current lender, Halifax) but as I will be effectively working for an "agency", they will not lend to us until I have 12 months employment history with the agency.

Any advice much appreciated e.g. lenders to try, whether when applying we shouldn't declare our change in circumstances (bearing in mind that I will have payslips for March and April).

Many thanks,

ACG

Assuming the same industry/similar jobs there may be a lender or 2 who will consider it. For the life of me I can not remember who, I am sure I probably have some notes somewhere.

Realistically I do not think you are going to get a high street lender, so it would probably be a good idea to get a new broker if your current one is struggling.