We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
Nationwide - First time Buyer
Options
BladeY_2
Posts: 16 Forumite
Hi all.
Looking for some advice, please. (Of course, I'm worrying a little desperate to buy our first home!)
I'm a first-time buyer and going for a house just over £90k.
I when with Nationwide via a broker
Had a DIP the same day accepted. Then had a text a day later saying they have received our application, then 24 hours later had a text to say a valuation has been booked.
On the DIP it says all they needed was my payslips (No problem) and my wifes.... but my wife has been off work for the past 8 months on maternity leave and because she only works part time the company didn't pay her anything and she received a statutory pay from HMRC so we're unable to provide payslips for her. I did tell the broker this but he said he would just write to her work.
She's going back to work this week but won't get a payslip until the end of the month.
Are Nationwide normally pretty good for only asking stuff at the start or do they keep requesting more information?
I'm worried what they are going to ask next. Both of our credit ratings are good.
Clearly overthinking things....
Have a good evening,
Looking for some advice, please. (Of course, I'm worrying a little desperate to buy our first home!)
I'm a first-time buyer and going for a house just over £90k.
I when with Nationwide via a broker
Had a DIP the same day accepted. Then had a text a day later saying they have received our application, then 24 hours later had a text to say a valuation has been booked.
On the DIP it says all they needed was my payslips (No problem) and my wifes.... but my wife has been off work for the past 8 months on maternity leave and because she only works part time the company didn't pay her anything and she received a statutory pay from HMRC so we're unable to provide payslips for her. I did tell the broker this but he said he would just write to her work.
She's going back to work this week but won't get a payslip until the end of the month.
Are Nationwide normally pretty good for only asking stuff at the start or do they keep requesting more information?
I'm worried what they are going to ask next. Both of our credit ratings are good.
Clearly overthinking things....
Have a good evening,
0
Comments
-
The Lender will check with the employer when your wife returns to work and on what basis.
They will be interested in any child care costs.
As you may imagine this is a regular complications for which there is a defined process.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 -
Dont forget to claim child benefit and tell your broker. As this counts as extra income.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards