ICS Mortgages

[LifeBegins]

Does anyone know if ICS/Dilosk are still offering mortgage approval based on 2 points above current salary scale for Public Servants?

I have been informed by my broker that they are but with so many anecdotes of AIPs and exemptions being withdrawn at the final hurdle, I’m not sure how sound this advice is currently.

Also, they say they consider allowances and overtime as earnings for public servants and include same in their approval figures. As the unsocial/nights/weekends earnings in particular tend to fluctuate on a monthly basis, does anyone know how they calculate this?

Thanks for any advice on this. I’m loathe to apply, go to drawdown and then have the rug pulled.

 

[Fahrenheit]

Your broker is correct.

You won't get a higher approval with another lender so I'd take your broker's advice if I were you.

The only reason the rug would be pulled before you drawdown would be if there was covid payments visible on your most recent payslip at that point.

Best of luck!
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