So my situation is slightly complicated.
We first started looking for a house almost 2 years ago. We decided we weren’t paying the wild prices houses were going for during lockdown so we’ve managed to save up about a 20% deposit now. We had an AIP done and just kept renewing it then the guy moved companies and we followed him and he done us a new one about 6 months ago when it looked like a house we wanted was coming up for sale. I’ve built up a good relationship with him and he’s actually related to one of my good friends.
I got pregnant earlier this year and didn’t tell him as I thought we would have a house before the baby came. No such luck.
Baby came early and is now almost 10 weeks old. The house we want is going on the market in 2 weeks and I don’t want anything to delay the sale.
I haven’t spoken to the mortgage advisor over the phone in a while so the subject has never come up. But I’m unsure if I should tell him that I did indeed have a child?
For context, my partner is the main applicant as I am a student. I get some disability benefits that were taken into account for the AIP but it’s my partners earnings that met the affordability criteria.
As I’m studying, I’m at home with the baby so no childcare costs. I have the exact same money coming in (more if you count child benefit) and I’m breastfeeding so no formula costs. I’m in my last year of the course so imagine I’ll have a full time job this time next year and affordability won’t be a problem at all. Family will be doing childcare when the time comes as well.
My question is, do I tell him when I speak to him next week as I’ve asked him to get everything in place for this house so nothing delays it at all? Or just keep quiet since it won’t really affect our ability to pay the mortgage?