New parents who apply for mortgages from some of the biggest lenders are being asked to prove that they are going back to work before their income can be included in affordability checks.
Questions posed by the Observer to the 15 biggest lenders found that those on maternity or shared parental leave are asked to provide evidence that they will go back to work within three months of their application when they take out a mortgage from Skipton building society, Virgin Money and Metro Bank. If they are not returning to work within three months, their “return to work” income may not be included in the checks, and the mortgage may be calculated on their pay during the period of maternity or parental leave.
If a lender makes assumptions that a woman can’t repay a mortgage, she may have a claim
A broker must satisfy themselves you’ll be able to afford your mortgage, and to answer the lender’s questions honestly
Continue reading...from Pregnancy | The Guardian http://ift.tt/1Nkn2gA
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