My partner and I earn good incomes but lenders only consider me employed during term time,discounting the paid charity work I accomplish in the summer
Q We are having genuine problems getting a mortgage. My partner is a self-employed builder who has the essential two years’ tax forms to prove his income to mortgage lenders. I, on the other hand, and am an agency worker. I am a specialist supply teacher who works long-term in schools to help children registered as having special needs.
My partner and I both earn good incomes and have been renting a bungalow for £750 a month for the past year. When applying for a mortgage,we have been told time and again that affordability is not an issue as we have a £40000 cash deposit. The snag we seem to be hitting is that due to the nature of my work, I am only “employed” during term time. All mortgage lenders have asked me for 52 weeks worth of payslips with the same employer.
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Source: theguardian.com