Mortgage advise please 🙏

[Rockaroundthexmastree]

Hi all, after some mortgage advice from anyone in the know! My husband and I are looking to buy a house - found one this week which we love.

The long and the short of it is:

I am starting a new role next week - have contract stating annual salary full time etc however I am starting this role initially part time whilst I work my notice (3 months) at my other p/t role. So will begin full time in the new year.
New job is a higher salary. I previously worked self employed p/t alongside current role. I am hopeful the contract is enough to count the new role full time annual salary for mortgage application? Husband been in his role for 14 years.

The 2nd issue is that my husband has 3 (in total) late payments on unsecured debt (CC / loan) in 2019. The rest of his payment history is green and fine. These debts have since been completed cleared and closed. Currently he has a no interest CC with a couple of thousand on it which he overpays each month.
I have a student loan. Other than that payment history is perfect for me and no other issues however how likely are these 2 issues to cause a problem? Planning to use a broker now I’ve found these late payments.
Ultimately we could just wait till spring next year when the late payments would be 6 years old and disappear / I would have started new role full time however we have found The House now 🤦‍♀️🥴
Would really appreciate any thoughts! We have a 10% deposit.

Contact a free mortgage broker to go through your situation. London and Country are excellent and will advise on how much you can borrow.

Hi, thanks yes - have already booked an appointment with a broker but am just wondering on anyone else’s experiences with similar issues and if they secured a standard mortgage?

I don't think the salary part will be too much of an issue- they will look at your current issue, but you're usually required to have been in a role for 3 months if not 6 for mortgage companies to accept your application. Unless this house is completely unique, I would wait until the spring when rates are also likely (though of course not guaranteed) to have come down. Your husbands late markers are likely to restrict the lenders who will lend to him and so you'll have less choice on rates until the spring too. Easy for me to say as I haven't seen the house, but I honestly would wait 6 months.