jointapplic
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Hi there
Partner and I are going for a joint mortgage. However we have been advised that I am ineligible as I only start full-time work next week after four years in college retraining, i.e. I have not been in employment for the past twelve months.
My partner is on 54,000 gross and I start on 32,000 gross moving to 38 next year and so on - I am starting permanent FT work as a doctor.
There is obviously a large difference in what we are eligible to borrow according to the online calculators when we do a calculation on his income alone versus joint.
Are the lenders going to take my salary into account (both are to be paid into our joint account) as 'guaranteed income' or anything like that or will I be completely ignored in the process? I can understand they want solid employment histories but I am pretty much guaranteed employment for the next 40 years!
Any advice would be welcome. We are new to this and slightly terrified.
Partner and I are going for a joint mortgage. However we have been advised that I am ineligible as I only start full-time work next week after four years in college retraining, i.e. I have not been in employment for the past twelve months.
My partner is on 54,000 gross and I start on 32,000 gross moving to 38 next year and so on - I am starting permanent FT work as a doctor.
There is obviously a large difference in what we are eligible to borrow according to the online calculators when we do a calculation on his income alone versus joint.
Are the lenders going to take my salary into account (both are to be paid into our joint account) as 'guaranteed income' or anything like that or will I be completely ignored in the process? I can understand they want solid employment histories but I am pretty much guaranteed employment for the next 40 years!
Any advice would be welcome. We are new to this and slightly terrified.