Can i get a mortgage while my wife is on maternity leave? - HotUKDeals
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Can i get a mortgage while my wife is on maternity leave?

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As above, Google offers not a lot of help on this!! With it taking into account her salary, obviously i know i could get one just off mine!! Read More
sancho1983 Avatar
7y, 10m agoPosted 7 years, 10 months ago
As above, Google offers not a lot of help on this!!

With it taking into account her salary, obviously i know i could get one just off mine!!
sancho1983 Avatar
7y, 10m agoPosted 7 years, 10 months ago
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#1
You should be able to get one, but not sure if it would be an allowance worked out on her normal wages or her maternity pay. Mortgages take lots into account, Working tax credits, child tax credits, child benefit, any stable income is used to calculate your income for mortgage purposes.

It would be worth popping into an estate agents that have a mortgage advisor, they will look at several mortgage providers to get you the best deal, unlike if you went to our own bank.
#2
ok, thanks
banned#3
Try Birmingham Midshires, they give good help with those little problem mortgages.
I used them to get a buy to let...rule you must already have a property to do this. I was in tied property Yep they help very very good.


:thumbsup::thumbsup::-D:santa:
#4
I don't see why you shouldn't

We got a mortgage when I was about 12 weeks pregnant with our first, told them I was expecting.

We then had a further advance when I was on maternity leave with our second

That's with The Derbyshire (now part of Nationwide)
banned#5
Mijooly
I don't see why you shouldn't

We got a mortgage when I was about 12 weeks pregnant with our first, told them I was expecting.

We then had a further advance when I was on maternity leave with our second

That's with The Derbyshire (now part of Nationwide)


What happens if the person says after .............No Im not returning to work.:whistling::oops::thumbsup:
#6
End of the day it's worth popping in,take maybe half hour to do or so depending where you go,there are online calculators but I found them way off compared to when we went into branch etc.
#7
Yeah, i don't think the amount we need will be too much of a stretch, but based on both of our earnings!
#8
sancho1983
Yeah, i don't think the amount we need will be too much of a stretch, but based on both of our earnings!


If you do happen to be a bit short at 1 providor,do try elsewhere. It wasn't needed in my case but I found Alliance & Leicester the maximum offer was £9K more than Halifax,and that bit extra can make all the difference for some people.
#9
Went to the mortgage advisor earlier and the answer appears to be yes!!

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