Mortgage application while pregnant/following pregnancy

[Booph]

My husband and I are currently saving for a deposit and hoping to be in a position to buy in around 10-12 months. I'm currently on maternity leave with a 9 month old, but am due to return to work part time next month.

However I have now found out I'm expecting in April next year; I will likely only take 6-7 months' leave this time, putting me back in work in around a year's time. This means our mortgage application will be immediately following my second maternity leave in two years, so I will only have my maternity pay of 16 weeks' full pay as proof of income.

I have worked for only one employer for 8 years and I know they will be happy for me to return part time again next year. Will some sort of letter from then honouring my return to work and confirming my salary be enough proof for a mortgage lender or are we going to struggle with our application?

Yes I did exactly that. I was on maternity leave when I got my mortgage but had a letter from my work outlining when I was returning and to what salary.

Yes, most lenders will accept formal letter from employer stating salary and return to work date. Furthermore, they are not allowed to discriminate whilst you're on Mat. Leave.

That's great to hear thank you. I'd read that was the case but wasn't sure if anyone had managed it. A friend of mine had a lot of trouble getting his mortgage approved recently when the bank found out he'd had sick pay three weeks prior to the application so it made me slightly more concerned.

It depends on the lender. When we were trying to buy a few years ago when I was on mat leave, the lender would only consider my mat pay as my income regardless of my employers willingness to write setting out I was going back on the same terms and conditions as I'd had previously.