Hi,
Me and my boyfriend are currently saving for a deposit on a house. I'm working full time whilst he is finishing his degree and working part time. We'll be looking to buy mid-end 2014.
Just now we both work for the same company on a contract with no guaranteed hours. I work on average 36 paid hours a week, and I'd have pay slips and P60s to show my earnings. My P60 for this tax year will show I've earned £15.5k (based on what pay I'm sitting on now plus the pay from the shifts I'm scheduled until the 5th of April). My boyfriend will have earned ~£8k.
Our budget will be £85k and we'll have a 15-20% deposit depending on if we purchase towards to top end of the budget or less (and how much we'll need to spend on furniture for the place!).
If we could show payslips and P60s showing our earnings, would this make up for the fact that I'm not guaranteed any hours even though I am getting them in reality? Or would it be a case of either waiting for my boyfriend getting a job with his degree (he'd be working full time where we're at now until he found one), or me being promoted into a salaried position at my current job (which might not be for a few years yet)?
Me and my boyfriend are currently saving for a deposit on a house. I'm working full time whilst he is finishing his degree and working part time. We'll be looking to buy mid-end 2014.
Just now we both work for the same company on a contract with no guaranteed hours. I work on average 36 paid hours a week, and I'd have pay slips and P60s to show my earnings. My P60 for this tax year will show I've earned £15.5k (based on what pay I'm sitting on now plus the pay from the shifts I'm scheduled until the 5th of April). My boyfriend will have earned ~£8k.
Our budget will be £85k and we'll have a 15-20% deposit depending on if we purchase towards to top end of the budget or less (and how much we'll need to spend on furniture for the place!).
If we could show payslips and P60s showing our earnings, would this make up for the fact that I'm not guaranteed any hours even though I am getting them in reality? Or would it be a case of either waiting for my boyfriend getting a job with his degree (he'd be working full time where we're at now until he found one), or me being promoted into a salaried position at my current job (which might not be for a few years yet)?