It is not uncommon for an individual to have two jobs. This may be for numerous reasons such as low hours in the primary job or simply being a determined, passionate worker.
This can be another complicated area when it comes to obtaining the required mortgage though.
Many lenders advertise being able to assist with second jobs, only for an underwriter to decline the case at a later stage as they may make the decision that the hours are unsustainable, often this decision will be made after you have paid upfront valuation fees, made payments to your Solicitors etc… We believe this can be an unfair judgement to make.
Hawk Mortgages relationships with the lender’s and contacts at the various banks and building societies mean we are well informed and experienced in placing your mortgage with the correct lender ensuring you are in the best position to obtain the mortgage you need. Without potentially being declined post application.
What do I need to be able to use the income from my second job?
- At least 6 months experience holding down both jobs.
- Confidence you can continue working the hours for the mortgage term.
- Payslips and bank statements to evidence the experience.
Do you need help? Fill out this form to get in touch.