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Mortgage application

  • 21-02-2016 8:33pm
    #1
    jocksie
    Registered Users, Registered Users 2 Posts: 58 ✭✭


    Just wondering myself and partner are going to apply for a mortgage,I've changed jobs recently (3 weeks) and she is in her job a few years but on a lower pay scale circa 25k a year,would my salary come into the application even if I'm not in my current job 6 months yet?also I have d option to go self employed and make a bit more but would that be detrimental to a mortgage application,thanks


Comments

  • #2
    L1011
    Registered Users, Registered Users 2 Posts: 71,136 ✭✭✭✭L1011


    No bank is going to be happy with someone in a job for 3 weeks - you are likely still probationary for starters. Going self-employed will also require a prolonged period of accounts to show income - years, not weeks/months.

    Unless you're looking for a very small mortgage I wouldn't even bother right now.


  • #3
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,690 Mod ✭✭✭✭Stheno


    L1011 wrote: »
    No bank is going to be happy with someone in a job for 3 weeks - you are likely still probationary for starters. Going self-employed will also require a prolonged period of accounts to show income - years, not weeks/months.

    Unless you're looking for a very small mortgage I wouldn't even bother right now.

    Agreed, as a permanent employee they want at least six months in the job, and three years accounts if you are self employed.


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