Shocked by mortgage appointment - is this right?!

silvercup

Brock_and_Roll said:

The elephant in the room here for me (as an old school banker) is "newly self employed" - from a lending perspective this should be a big fat zero until at least 18 months of trading under the belt.

Even if we can afford repayments on my husband's salary as the main breadwinner? If I was a stay at home mum would we be refused a mortgage? 

[Deleted User]

Brock_and_Roll said:

The elephant in the room here for me (as an old school banker) is "newly self employed" - from a lending perspective this should be a big fat zero until at least 18 months of trading under the belt.

As far as I am aware they are not using OP's income for the application. Only the partners employed income 

billy2shots

Brock_and_Roll said:

The elephant in the room here for me (as an old school banker) is "newly self employed" - from a lending perspective this should be a big fat zero until at least 18 months of trading under the belt.

Surely an 'old school banker' would  have been throwing money at a customer. That's what contributed to the financial crisis in 2008 didn't it?