Mortgage with ESPP Deductions

Jac96

Hi, 
I am looking to get a joint mortgage with my partner. 
My salary is £30,300 PA 
And her's is £19,000 PA + Overtime 
I work for an American company who offer a fantastic ESPP scheme and I have been deducting 70% of my Gross salary into the ESPP scheme to maximise the $12,500 every 6 months. The deduction to ESPP is taken after tax - I also have a 10% pension so my net pay actually received into my bank each month is around £80. 
We have a sizable deposit between us but are hoping to only deposit around £30k but could go further if necessary. The property in question is valued around £160,000 which is well under our maximum loan capacity. Do you think we would struggle to get a mortgage due to my ESPP deduction? 
 
Personally I don't see why it should be an issue as really I am getting paid every 6 months instead of every month - I receive the shares at a discount of 15% at the end of the 6 month period and they are purchased at either the lower of market value on the day or if cheaper the MV at the start of the 6 month period. It is guaranteed money as I sell on the day - so I make a minimum of ~17% but the upside could be much more. These shares are sold immediately and I pay tax on the difference between MV and purchase price. I would still have savings to cover myself for the 6 month period - therefore technically it's kind of a 'savings account' with great returns. Has anyone been in a similar situation? Do you think a mortgage lender would be comfortable with this situation? 

Thanks in advance

dimbo61

Sorry Jac
This is a UK website so you may struggle to get answers from UK based people.
Keep up the good work of saving 

Jac96

Hi Dimbo - cheers mate I am from the UK though! Working in the UK too - it's just the company I work for is a US stock traded company. 

MovingForwards

You are going to need a specialist broker who deals with foreign income and the way you get paid.

Jac96

I don't think I have explained myself very well. I am paid in pounds it's a normal job. Normally after tax, I am paid around £1800 a month. However, I opt into my company share scheme whereby I sacrifice 70% of my gross pay to be paid in shares every 6 months. These shares are purchased at the lower of the date of the start of the 6 months or the price on the purchase date (whichever is lower), they are also purchased at a 15% discount on the purchase price. So I receive around £70 a month into my bank as part of my salary and then every 6 months my company purchases shares using the pot I built up ~ 10k. These shares are sold instantly at a 17%+ profit and I am taxed on this profit. 

So my question is, would a bank give me a mortgage knowing that I receive most of my salary every 6 months rather than every month? 

Thanks