Mortage with halifax income issue

Realdude2018

Me and another member of family applied for a mortage with halifax and wanted to borrow 165,000 we found a house and got offer accepted my family members payslips are fine and are simple to calculate the annual total of basic salary mine however has caused confusion we only just put full application in and my basic salary has been same on two but slightly less on two which flagged up for them. They work out the annual total to come to 15000 where as I work out it comes to around 13100. The total of both are salaries are 45000. But mine haven't been consistent on two payslips due to being paid 13 times in one year but we completed application today and took my salary as the final one and timsed by 13 to get the figure and I work out it's less but didn't say anything due to duress and worrying id screw everything up. I think they are gonna pass on to underwriters to now ring my hr and very income which is about nearly 2 grand Of! I recently reduced my hours to take on temp job but when she said is this what you are getting monthly from your other perm jon i just nodded like a numpty and said yeah. I am so stressed what can I do, i am a full time worker on 30 hours a week permanent and sometimes get a lot of over time. What do you think underwriters will do? Any help appreciated to calm my nerves right now I'm so depressed and stressed.

csgohan4

paragraphs please, difficult to read


You have to let the underwriters do their job, nothing much we can do on here.


Also beware family and money should never mix


https://forums.moneysavingexpert.com/discussion/5896270/shared-mortgage-with-a-friend-problem


https://forums.moneysavingexpert.com/discussion/5905475/trapped-because-of-first-home


https://forums.moneysavingexpert.com/discussion/5848405/selling-when-one-party-doesnt-want-to


https://forums.moneysavingexpert.com/discussion/5817694/brother-wants-off-the-mortgage-havibg-to-sell