When you apply for a mortgage do they....

[Linnet]

Do they just give you a mortgage based on your working annual income or do they take into account any money that you receive for Tax Credits as well?

some take tax credits into account. ours did! luckily

i know the abbey national take tc into account, cos they took mine :) a lot will consider overtime now also

Some lenders take tax credits, child benefit etc, but a lot don't. Go and see an independent mortgage advisor - if you need to have it taken into account they will find you a good deal with one of the lenders that include it.

Give me a shout if you need any info!!

They have taken all our tax credits into account but they don't take child benefit.

Sorry forgot to say we are just getting our morgage done with Northern rock and they have been fantastic they were reccomended by several people I trust and they haven't dissapointed, see a morgage broker and they will sort through it for you.

**also the lady at the Halifax even reccomended northern rock even thought we had the morgage ready to go with Halifax [shock ]