SidTheDweeb
Registered User
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I understand that the rule of thumb for getting a mortgage is roughly multiply gross salary by 4 (am I wrong?)...
My question is do lenders take into account future earning potential?
Situation is I will be starting on 21.5k next Sept. with a big4 accountancy firm.
Within 3 years, provided I pass, salary will be 45-55. And will increase incrementally before then.
My gf is doing a phD (currently 16k p/a tax free, minimum 30k p/a in ~2 years)
Is there any lender that might consider giving us a decent mortgage now?
My question is do lenders take into account future earning potential?
Situation is I will be starting on 21.5k next Sept. with a big4 accountancy firm.
Within 3 years, provided I pass, salary will be 45-55. And will increase incrementally before then.
My gf is doing a phD (currently 16k p/a tax free, minimum 30k p/a in ~2 years)
Is there any lender that might consider giving us a decent mortgage now?