Hi, quick question. FTB applying for a mtg. Broker's gone all quiet on me so was hoping someone here may know answer.
Background: Applied to one lender for 90% LTV but they are being really awkward and slow and rejected AIP on credit score (despite 989 experian score). They are appealing it now but could take a while. Broker suggested another lender but on my 2012 income didn't pass affordability, but it was close.
Issue: I just had my pay review and I think this could make the difference. However, I won't get my payslip with the new figure on it until 28th of the month. I have a statement from my employer with new salary details, but not a payslip. Would a lender take my 2013 pay into account (in force from 1st April) before I get my new payslip, or would I have to wait?
Background: Applied to one lender for 90% LTV but they are being really awkward and slow and rejected AIP on credit score (despite 989 experian score). They are appealing it now but could take a while. Broker suggested another lender but on my 2012 income didn't pass affordability, but it was close.
Issue: I just had my pay review and I think this could make the difference. However, I won't get my payslip with the new figure on it until 28th of the month. I have a statement from my employer with new salary details, but not a payslip. Would a lender take my 2013 pay into account (in force from 1st April) before I get my new payslip, or would I have to wait?