Mortgage advise - joint mortgage

[habz786x]

Hi All. Can I please get some advice please. I am under extreme stress and panic and this is physically impacting me.

I am purchasing a first time home with my partner. We have a mortgage with Santander and that has been approved. He is on a salary of £83k. The house deposit is £140k. The value of the house is £495k.

During this time I was on a salary of £22-23k. We were both included in the affordability check.

This was a joint mortgage, I was in a stable role for 1 year and 4 months earning around £1400-1600 - as had some fluctuations in 4/5x work days.
During this time the mortgage got approved. However, I then entered temporary employment for 2 months and the broker said no problem as its within the same industry.

After the temporary role I have now started my new role with a promoted position with a permanent contract.

I am near the draft completion and the solicitor has asked for our payslips / She also said if we can show bank statements that reveal if her fees are present in the bank. My husband will provide the £15k fees to the solicitor so he sent his bank statements sand savings pot.

His payslips and everything is fine, but for me It shows a little inconsistency due to the past stable job, temp position and then entered a permanent contract. Should this make a difference?

My payslips have a salary of
£1500 - old job
£1200 - old job + temp role payslips
£1400 - temp role payslips + permanent new job payslip

I would hate if the whole process goes bust because of me. I didn't know I shouldn't have changed jobs during this stage, I feel extremely bad.

If the mortgage broker said it will be fine then it’ll be fine…

I hope so. We are near the completion and I don't want anything to go wrong because of my silly mistake of changing jobs :(

Should be fine. People take out mortgages off the back of what they're going to be paid before they've even started in roles sometimes. In the old days we would have just taken an average of your last three payslips or used your new job offer salary. But the mortgage is probably affordable (more or less) on your partner's salary alone so they may not look too closely anyway.

Oh and if you've got a mortgage offer already the mortgage company is unlikely to withdraw it now!

Thank you, that is very reassuring to hear! I am losing my sleep and apetite over this because I don't want to be the reason for any delays in the completion as we have already packed almost everything, sleeping on the floor.
I am so eager to get this done and over with.

The only reason why I got panicked was when the solicitor asked for the payslips again near completion. It shocked me because I know this is not the same case for everyone, most people said this is not common.

This may trigger some queries due to the changes in income. So I guess will delay the process. and yes my partners salary is sufficient to cover the mortgage on his own but we were both included in the affordability checks.