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Mortgage worries after newly qualified electrician's income increase and tax timing

1 reply

Crazycatladyh97 · 06/04/2026 18:12

Electrician Just became fully qualified this past year so my income has jumped significantly Awkward timings with tax year
Net profit doesn't see us able to lend anywhere near what we need due the fact I've also paid for courses etc
Broker seems confident, she's taken all payslips from the last 6 months We have a 10% deposit
Just can't stop feeling rubbish and worrying about the net profit and if they go off this
Has anyone been in a similar situation?

OP posts:
Meadowfinch · 07/04/2026 02:19

If the broker is confident he or she can find you a decent mortgage, then I wouldn't worry.
Your investment in training courses last year will pay dividends in the next tax year - there will be no more course costs but your income and therefore your profit for the year should be significantly higher. That's a sound business decision. Don't beat yourself up.

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