Applying for a mortgage and part time working

[Willow01]

I am thinking about moving house and at the moment I have a mortgage on my own. Myself and my partner would like to go for a joint mortgage. I have a full time permanent teaching contract but I am currently working flexible part time hours. My question is would mortgage lenders base our affordability on my flexible hours I work at the moment or on my full time contract? To be able to afford the house we want I would really need it to be on the full time contract. Any advice on this? Thanks

 

[My_First]

It would be on your part time contract hours ie how much you are bringing in a month.

 

[Rachel_C]

Yes, they look at your payslips, not how much you say you *could* earn. They're just tightening up checks on affordability too so you're probably even less likely to find somebody who will take that into account.