Off sick before completion

Johnnyboy98

Hello,

i have a quick question…. I am off sick for a couple of weeks before completion because of stress. I will be back to work before completion, could it cause a problem if the mortgage lender was to ask for a payslip before completing and saw I was off sick for 2 weeks? 

tdawber

I I wouldn’t have thought the mortgage company would ask you for a payslip now, this was done when you applied for the mortgage. 

Bradden

I've no idea.. but just wanted to wish you luck.. moving house is a about as stressful as you can get.. if you're already suffering with stress I hope it goes smoothly!

K_S

Johnnyboy98 said:

Hello,

i have a quick question…. I am off sick for a couple of weeks before completion because of stress. I will be back to work before completion, could it cause a problem if the mortgage lender was to ask for a payslip before completing and saw I was off sick for 2 weeks? 

@johnnyboy98 If the lender were to ask for a fresh payslip prior to completion and it did not show the normal pay, it might lead to more questions. Having said that, the likelihood of them asking for a fresh payslip is very very low.

Johnnyboy98

Thanks K_S. The pay will be the same except that it will show some paid sick leave. 

teachfast

You are supposed to notify the mortgage company of any significant change in circumstances. Stress may, or may not, count depending on how acute it is or whether it has affected your employment status (eg you have triggered a stage of absence management tha puts your job at risk, especially if they have written to you about this).

Stress is a very subjective condition. Could you not return early (eg after one week self certification) and avoid the issue?

Remember doctors will take the easy route and sign you off at the drop of a hat. Doesn't mean you have to be off.

TBagpuss

2 weeks sick leave is unlikely to be a major issue - particularly now when many people will be off sick if they need to self-isolate. If you were seriously ill and expecting to be off for much longer that might well be a significant change of circumstances which you should tell the lender about. 

teachfast

TBagpuss said:

2 weeks sick leave is unlikely to be a major issue - particularly now when many people will be off sick if they need to self-isolate. If you were seriously ill and expecting to be off for much longer that might well be a significant change of circumstances which you should tell the lender about. 

Many employers seem to be discounting self isolation for sickness purposes.

Weathergirl_76

To put your mind at rest, I think it highly unlikely you will be asked for payslips now. My understanding is that financial searches are completed before completion (to check there are no charges on your property since the original searches). 

Wishing you all the best, and hope the move goes smoothly. 

Lavendyr

teachfast said:

Stress is a very subjective condition. Could you not return early (eg after one week self certification) and avoid the issue?

Remember doctors will take the easy route and sign you off at the drop of a hat. Doesn't mean you have to be off.

This is a hugely unhelpful comment and is likely to make the OP feel worse. Moving house is very stressful and there are many things that can make it more so if you are dealing with other challenges at the same time. Stress can cause debilitating symptoms and can lead to anxiety, depression and chronic fatigue. I speak from personal experience. Please be kind. There is no more reason to expect someone to return to work a week early from mental health than there is for any other reason. 

OP, as others have said, the risk of asking for a new payslip at this stage is minimal and if it shows paid sick leave I'd be surprised if that was an issue too.

Johnnyboy98

teachfast said:

You are supposed to notify the mortgage company of any significant change in circumstances. Stress may, or may not, count depending on how acute it is or whether it has affected your employment status (eg you have triggered a stage of absence management tha puts your job at risk, especially if they have written to you about this).

Stress is a very subjective condition. Could you not return early (eg after one week self certification) and avoid the issue?

Remember doctors will take the easy route and sign you off at the drop of a hat. Doesn't mean you have to be off.

2 years later and I have just seen this reply…. I was stressed because my sister had been diagnosed with stage 3 ovarian cancer, she passed away this year. Yes, I could have worked but I would not have been productive, stress can be debilitating. Anyway house completion went ahead with no issues. Thanks for