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Relocation - some mortgage questions
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Needsadvice13
Posts: 36 Forumite

We are hoping to put our house up for sale soon and begin the process of moving from south to north. I know most people suggest selling up and renting for awhile but this really isn’t an option for us as I wouldn’t want to settle my daughters in a new school only to have to move again if the new house is in a slightly different area to the rental and we also have 6 pets (2 dogs and 4 cats) so not exactly a landlords dream!
My job is easy because I am fully remote (no office to go to!) and can provide my contract details to show this. My husband however is a HGV driver and would eventually need to gain employment in the north (lots of work on similar wages from our research)
Our options as we understand it are…
1. We apply for a mortgage with his current employment and I move with kids/pets while he remains behind staying with his mum until something suitable comes up. Would a lender be comfortable with this arrangement?
2. he may be able to transfer to a different branch of his current employer but the job terms may be slightly different (national logistics company with many different contracts) - would a letter to say he is transferring and the details suffice or will he need a certain number of payslips before a mortgage would be approved.
3. he currently trunks from our home location to a location up north and could potentially do the same in reverse with his employers permission meaning his employment details would be exactly the same. However the area he would be working out of is around 1 hour 30 mins of where we are looking to buy - would a lender consider this too far? Or too long of a commute
4. he gains employment up north before even selling our place and we live separately for a couple months (him staying in a room rental or air B&B or possibly takes a tramping job) so he has payslips etc when we apply
any insights as to which option is best or what lenders would be most happy with?
My job is easy because I am fully remote (no office to go to!) and can provide my contract details to show this. My husband however is a HGV driver and would eventually need to gain employment in the north (lots of work on similar wages from our research)
Our options as we understand it are…
1. We apply for a mortgage with his current employment and I move with kids/pets while he remains behind staying with his mum until something suitable comes up. Would a lender be comfortable with this arrangement?
2. he may be able to transfer to a different branch of his current employer but the job terms may be slightly different (national logistics company with many different contracts) - would a letter to say he is transferring and the details suffice or will he need a certain number of payslips before a mortgage would be approved.
3. he currently trunks from our home location to a location up north and could potentially do the same in reverse with his employers permission meaning his employment details would be exactly the same. However the area he would be working out of is around 1 hour 30 mins of where we are looking to buy - would a lender consider this too far? Or too long of a commute
4. he gains employment up north before even selling our place and we live separately for a couple months (him staying in a room rental or air B&B or possibly takes a tramping job) so he has payslips etc when we apply
any insights as to which option is best or what lenders would be most happy with?
We should be looking at whole of market as both have clear credit reports and our only credit commitments at time of application will be mobile phone contracts and car finance
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