I’ve name changed as this is v identifying...
I’ve applied for a mortgage, using a specialist broker, who assured me that prior to applying for the mortgage he had spoken to an underwriter at the bank (HSBC) who had said my situation was fine.
I’m waiting for a decision and (despite the broker telling me not to worry) I’m massively panicking about it (I’m very much a catastrophiser!), and wondered whether anyone can reassure me that it will be ok?
These are our circumstances...
I’ve just finished 10 months of maternity leave, have resigned from my old job and just started a new one. I’ve been working on my new job for two weeks and have a 3 month long probation written into my permanent contract. I’m relatively senior and well earning, and my new job is pretty much the same as the one I have just left. But there is obviously a gap of 6 months where I haven’t been paid (despite being employed) because of the mat leave.
My DH’s income is also on the application. He earns more than me, and has had the same employer for about 4 years.
We have a 40% deposit and are asking to borrow 4.6x our salary.
I hate waiting! Does this sound like it will be ok? The bank have asked for my previous employer pay slips which I have sent.
Please please reassure me?!