Applying for mortgage whilst pregnant

[Buckety7854]

Hello,

I'm hoping someone can give me some advice. I recently applied for a sole mortgage with my bank NatWest, and didn't declare I was in first half of my pregnancy. I didn't do this out of trying to hide it, but didn't declare that I was expecting any significant life changes or whatever they asked, since my financial situation is not going to change. I will get 6 months full pay, then with my leave added on, I intend to return to work after full time. My partner intends to manage childcare etc then.

After doing some research, I learnt one of the things they look for on bank statements is suggestive payments, and I have a couple, that suggest I'm pregnant.

My application is in but has not yet been assessed. This will surely be flagged on my statement. Whilst I can prove there will be no change in my financial circumstances via letter from my employer, I'm really worried that I will be declined purely for not disclosing that I was pregnant in the first place. What should I do in this situation? Contact NatWest before they assess my paperwork? Or just wait and see if it's flagged? I don't want to end up in a situation where I'm automatically declined and it's just really stressing me out. I want to make things as smooth as possible!

Thanks for any advice or similar experiences anyone has!

[PowerslidePanda]

I applied for a mortgage with Nationwide whilst pregnant and they said they didn't take pregnancies into account, because there's no guarantee of a baby at the end of it. No idea if NatWest would think the same way, but if it does get flagged and challenge, you could tell them you didn't think you needed to declare it because other lenders don't want to know.

Where you might need to be careful is if the mortgage isn't supposed to start until after your circumstances changed - i.e. if your partner i also on the mortgage and will be giving up work to provide childcare - as that could make a difference to affordability.

[Buckety7854]

Thanks @PowerslidePanda. I have no idea about NatWest either! There's nothing in the lending criteria about pregnancy, only maternity leave. Also presume it depends on what you consider a significant change to your circumstances Guess I'll just have to wait and see. 🙏

[kirinm]

We changed from NatWest to nationwide when I'd had my DD - meant to do it before. Didn't make any difference.