📨 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!

Mortgage application and Sick pay

Hi all,
I really hope someone can help me!

We went through our mortgage application and the lenders have requested 2 years worth of proof of income, commission and overtime from both of us. Neither of us having been in our current jobs for 2 years. My partner has been in his since Jan 2017 and I started here in July 2017. We were both fully employed before this elsewhere.

In January i received a months sick pay following a knee operation i had to have. Our mortgage adviser is looking around for another mortgage but because of the sick pay, we are being told we do not meet affordability anymore. I am now back at work and still received my commission and statutory sick pay while off.

In April, it wont make a blind bit of difference so they only work out affordability based on the last three months.

We had an offer accepted on a house we love so we haven't got 3 months to play with.

If anyone can offer some advice it will be much appreciated.
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.