I work as a doctor for a HSE hospital. I am getting my salary certificates for different banks for a mortgage application.
I work a standard 39hours and then usually have rostered shifts on top of this which may be 4-6 shifts (weekend 24hour shifts) every 3 months.
HR have marked this income as irregular income which PTSB state they are less able to count towards my 3.5x maximum mortgage. My PTSB advisor suggests that this sounds more like guaranteed income as I must complete these shifts as part of my contractual obligation to the job. They are not optional.
HR are challenging this. Is there any documentation of what constitutes regular/irregular or guaranteed shifts or does anyone have advise on how to approach this?
I work a standard 39hours and then usually have rostered shifts on top of this which may be 4-6 shifts (weekend 24hour shifts) every 3 months.
HR have marked this income as irregular income which PTSB state they are less able to count towards my 3.5x maximum mortgage. My PTSB advisor suggests that this sounds more like guaranteed income as I must complete these shifts as part of my contractual obligation to the job. They are not optional.
HR are challenging this. Is there any documentation of what constitutes regular/irregular or guaranteed shifts or does anyone have advise on how to approach this?