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!

Timing and Affordability Conundrum

Options
Hi, I'm in a bit of a pickle and hoped someone could help

Me and my husband have found ourselves needing to move 3 hours away for his job. We have a mortgage with decent equity. The problem is that I am currently due our third child. (conceived before we knew about the move!) and his salary won't start until March. We've found the perfect property and could we take both our salarys into account Affordability would be no issue it's under the top budget by about 80k. However relocating 3 hours and maternity leave means mine probably won't get taken into account will it? I get 6 months full pay and 3 months mat pay. After this there's quite a few jobs I could do remotely or even locally taking a paycut would still meet Affordability for this house.

Is there any way to make this work?

Comments

  • Is your employer tied to that area? Are they a national company that could feasibly transfer you?

    Mat leave isnt a real issue, There are plenty lenders that just take a personal declaration of your return date and your return hours. Its more the relocation that I would have an issue with if you were my client.

    Are you actually leaving your job at the end of mat leave?
  • Yes I'll have to leave as I work for a large Bank with no offices or branches where I'll be unfortunately. With my experience and qualifications there's quite a few routes I could go so I'm not worried about finding work it's just for the mortgage it's all a bit of a kerfuffle.
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
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K 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.