I am hoping you can offer some advice on whether we can get a mortgage given our current circumstances. We were not planning on buying until the end of the year at least but an opportunity for a private sale has arisen and we're worrying now that we might miss this chance (few houses ever come up in this area - we have been watching for years). If we cannot purchase the house in the next couple of weeks, or at least confirm our intention to do so, it will go on the open market and be snapped up.
My husband recently (mid Dec) started a new role having left the role he was in for 3.5 years. I am also currently on unpaid maternity leave, due to return to work by the summer. (Have worked in the role for over 7 years)
We are both on excellent salaries (jointly earning 200k annually). Is there any point in us even trying to get a mortgage at the moment given our circumstances? Better to use a mortgage broker (recommendations would be welcome) or go direct to a bank. We have had mixed advice before from the banks with PTSB (our current mortgage provider) saying no to a second mortgage and Ulster Bank saying an absolute yes (this discussion was held last year before the job change).
My husband recently (mid Dec) started a new role having left the role he was in for 3.5 years. I am also currently on unpaid maternity leave, due to return to work by the summer. (Have worked in the role for over 7 years)
We are both on excellent salaries (jointly earning 200k annually). Is there any point in us even trying to get a mortgage at the moment given our circumstances? Better to use a mortgage broker (recommendations would be welcome) or go direct to a bank. We have had mixed advice before from the banks with PTSB (our current mortgage provider) saying no to a second mortgage and Ulster Bank saying an absolute yes (this discussion was held last year before the job change).