Mortgage Approval on Maternity Leave

[oblib]

My wife is nearing the end of her maternity leave (16 weeks until returning to work - currently totally unpaid) and we are in the final stages of mortgage approval. Have been approved in principle for 95% on 366K during the materinty leave. Now, we are told they will not issue the mortgage without a current payslip from spouse.

Just returning to work isn't really an option as we can't arrange hat level childcare at the drop of a hat and she cannot really mess around her employer like that after committing to this time off.

Is this something people have seen banks budge on? The whole point of maternity leave is that she IS NOT working...no one seems to understand this. For the record, it is a permanent job she is returning to and we have provided a letter from her employer stating she will return to exactly the same conditions as previous.

Thanks!

 

[PM1234]

Did you explain this when you applied for the mortgage? How is this worded on your AIP? Has the maternity cover been extended? If circumstances haven't changed. I would have thought the employers letter should have been sufficient if the details provided on the application form were correct. You need to go back to the person who originally put the application together and ask them to sort this out on your behalf.

 

[Nodser]

My wife is nearing the end of her maternity leave (16 weeks until returning to work - currently totally unpaid) and we are in the final stages of mortgage approval. Have been approved in principle for 95% on 366K during the materinty leave. Now, we are told they will not issue the mortgage without a current payslip from spouse.

Just returning to work isn't really an option as we can't arrange hat level childcare at the drop of a hat and she cannot really mess around her employer like that after committing to this time off.

Is this something people have seen banks budge on? The whole point of maternity leave is that she IS NOT working...no one seems to understand this. For the record, it is a permanent job she is returning to and we have provided a letter from her employer stating she will return to exactly the same conditions as previous.

Thanks!

We were in exactly the same position. My wife (who has the higher salary) was on maternity leave. We got our mortgage through Permanent TSB and they were happy with a letter from employer confirming that she would be returning to job after maternity leave.