Hello guys,
I am a newbie in forum. I have some questions, need help!
here is some details about our case:
1. My wife and I are first time buyers.
2. I have permanent job, £23,000. I've been in this company almost 1 year and half. Last month, I finished my 2 weeks paternity leave, therefore the net pay is lower than normal for 1 month.
3. My wife just finish her maternity leave and find a new job, she only have 1 month payslip. the bank statement, she can print it from HSBC machine. her salary £25,000. this job is a permanent job.
4. The property which our offer has been accepted value is £287,000. We have £115,000( or more) for deposit which is over 40%.
5. We are not british citizen, but we hold ILR(Indefinit Leave to Remain). The credit check scores: I am 808, My wife 794. We don't have any loan or debt, no overdraft.
The questions are:
1. Is the bank statement print from HSBC machine available for mortgage application?
2. (if 1st question works) Can my wife apply the mortgage with 1 month payslip and 1 month bank statement as a joint person?
3. Will my payslip which is lower than normal affect the application?(The Gross pay is showed as normal)
4. If the application is rejected, how it will affect us? And can we apply again when my wife have more payslips and bank statements?
5. 1 more question, how big chance that I can get the mortgage?
Thank you very much!!!
I am a newbie in forum. I have some questions, need help!
here is some details about our case:
1. My wife and I are first time buyers.
2. I have permanent job, £23,000. I've been in this company almost 1 year and half. Last month, I finished my 2 weeks paternity leave, therefore the net pay is lower than normal for 1 month.
3. My wife just finish her maternity leave and find a new job, she only have 1 month payslip. the bank statement, she can print it from HSBC machine. her salary £25,000. this job is a permanent job.
4. The property which our offer has been accepted value is £287,000. We have £115,000( or more) for deposit which is over 40%.
5. We are not british citizen, but we hold ILR(Indefinit Leave to Remain). The credit check scores: I am 808, My wife 794. We don't have any loan or debt, no overdraft.
The questions are:
1. Is the bank statement print from HSBC machine available for mortgage application?
2. (if 1st question works) Can my wife apply the mortgage with 1 month payslip and 1 month bank statement as a joint person?
3. Will my payslip which is lower than normal affect the application?(The Gross pay is showed as normal)
4. If the application is rejected, how it will affect us? And can we apply again when my wife have more payslips and bank statements?
5. 1 more question, how big chance that I can get the mortgage?
Thank you very much!!!