Could Santander revisit my husband's overtime before completion and affect the mortgage?

[Tunnocks34]

Hi,

In the process of buying a house with Santander. Offer accepted and we have signed the mortage deed. Completion expected in 2/3 weeks.

I have had a panic today because, whilst running through every worse case scenario, I worried about overtime. When we applied we put my husbands overtime as £200 a month, this was Feb (they asked for his most recent amount). The payslips they asked for evidenced Feb £200, Jan £1000, Dec £1000. We stated his overtime is heavily skewed towards the end of the year.

I am worried they may decide to do last minute checks and ask for more payslips. If they did this now his bank statement would show Feb £200, March £400, April £0 (We went away so husband didn’t do any overtime).

He has done £800 for next month but obviously that payslip is 3 weeks away.

How likely is it they will ask for more statements now and if they did would we lose the house?

As a conveyancing lawyer, I would say this is extremely unlikely to happen, once the offer is issued unless you or the conveyancer report an issue then the offer won't be affected

No, they have already offered you the mortgage which means they are happy you have passed the affordability checks. The only thing they might be interested as a pre completion check is if one of you loses your job or you get a new default on your credit report
You've said it's average £200 per month and they can already see from the evidence you've supplied that it's not static so it's completely normal that this would fluctuate. And they wouldn't be basing their affordability checks on overtime anyway.

No, they'd only ask if you report a change of job or if this one were to fall through and you need a mortgage on a different property (as they would want your most up to date payslips).

Ahh ok thank you

I don't know if things have changed but I got a mortgage offer when visibly pregnant (10 years ago) and quite clearly out finances were going to be different by the time the house purchase completed

I tend to overthink things.

For example they asked if we have regular
childcare costs. We don’t, which I told them (my husband works nights and manages wrap around care)

BUT I didn’t think to tell them that we pay for extra curricular clubs through tax free childcare and sometimes we do use the schools wrap around care, as irregular one offs. Not because we need it but more if we’re running late, or my husband wants to go to his mums. We recently put them in the school holiday club whilst we went to Germany for three days and my mum watched them (she works during the day so needed them in a club) but obviously this cost money which would show on a bank statement if they requested one. The application said ‘regular commited costs you wouldn’t want to stop’ and we could and would stop both of these if needed.