When we applied for a mortgage a few years ago my manager filled in a declaration form about my sickness/ maternity rights.
On it they wrote that I was entitled to 6 months full pay and six months half pay for both sickness and maternity.
The mortgage advisor at the time commented that it was a generous maternity package.
I work for a local authority so thought nothing of it and at the time had no immediate plans to reproduce so didn't think to double check. I have since looked at the local authorities maternity package and actually (although doing this from memory so may be a few weeks out) I get 90% pay for 6 weeks and then SMP and half pay for 18 weeks and then just SMP.
I can only assume my manager didn't think to check new terms and conditions and wrote down out of date information.
We got a mortgage rate on the basis that I would get six months full pay and six months half pay. I now know that isn't the case, but that doesn't change the fact that our mortgage isn't affordable on what my actual maternity pay is. As I am also the main earner in the household this is a huge issue.
I don't know what to do.