{"id":4405,"date":"2016-02-11T14:00:11","date_gmt":"2016-02-11T07:00:11","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-a-contract-worker-in-a-school-and-no-lender-will-give-me-a-mortgage\/"},"modified":"2016-02-11T14:06:30","modified_gmt":"2016-02-11T07:06:30","slug":"im-a-contract-worker-in-a-school-and-no-lender-will-give-me-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-a-contract-worker-in-a-school-and-no-lender-will-give-me-a-mortgage\/","title":{"rendered":"I'm a contract worker in a school, and no lender will give me a mortgage"},"content":{"rendered":"


\nMy partner and I earn good incomes but lenders only consider me employed during term time, discounting the paid charity work I do in the summerQ We are having real problems getting a mortgage. My partner is a self-employed builder who has the necessary two years\u2019 tax forms to prove his income to mortgage lenders. I, on the other hand, am an agency worker. I am a specialist supply teacher who works long-term in schools to help children registered as having special needs.My partner and I both earn good incomes and have been renting a bungalow for \u00a3750 a month for the past year. When applying for a mortgage, we have been told time and again that affordability is not an issue as we have a \u00a340,000 cash deposit. The snag we seem to be hitting is that due to the nature of my work, I am only \u201cemployed\u201d during term time. All mortgage lenders have asked me for 52 weeks worth of payslips with the same employer. Continue reading…
\n
\nSource : theguardian.com
\nRead more…I’m a contract worker in a school, and no lender will give me a mortgage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

My partner and I earn good incomes but lenders only consider me employed during term...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-4405","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-193","jetpack-related-posts":[{"id":80220,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/self-employedheres-how-to-get-a-mortgage\/","url_meta":{"origin":4405,"position":0},"title":"Self-employed?\r\nHere\u2019s how to \r\nget a mortgage","date":"February 17, 2018","format":false,"excerpt":"\r A third of people think lenders are biased against them, but there are ways to win them overThe number of people who are self-employed has increased dramatically since 20001, jumping from 3.3 million to 4.8 million. Do their precarious earnings mean they can\u2019t get mortgages? Will they be treated\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":136059,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/we-want-to-buy-a-seaside-flat-as-a-second-home-what-type-of-mortgage-is-best\/","url_meta":{"origin":4405,"position":1},"title":"We want to buy a seaside flat as a second home. What type of mortgage is best?","date":"April 24, 2023","format":false,"excerpt":"\r My partner and I \u2013 he is a first-time buyer \u2013 would use the property at weekends and for holiday letsQ My partner and I are buying a second home to use as a holiday home. He\u2019s a first-time buyer but I\u2019m not as I own the flat that\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4530,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/first-time-buyers-in-london-earn-in-excess-of-50000\/","url_meta":{"origin":4405,"position":2},"title":"First-time buyers in London 'earn in excess of \u00a350,000'","date":"August 28, 2013","format":false,"excerpt":"\r CML data shows incomes of first-time buyers in London outstrips average, but affordability remains tighter than in the UK as a wholeThe average first-time buyer in London now earns \u00a352,000 a year, well ahead of the \u00a335,000 typical figure for the UK as a whole, according to latest data.The\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2118,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/are-you-a-mortgage-misfit\/","url_meta":{"origin":4405,"position":3},"title":"Are you a mortgage misfit?","date":"March 14, 2015","format":false,"excerpt":"\r Tougher rules mean a growing number of borrowers are finding it hard to get a mortgage. But there are options for those who no longer fit lenders\u2019 criteriaAre you over 45? Self-employed? Divorced and remortgaging late in life? Got your eye on a great ex-council house? Or like the\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":103150,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-i-stop-pension-contributions-to-get-a-bigger-mortgage\/","url_meta":{"origin":4405,"position":4},"title":"Should I stop pension contributions to get a bigger mortgage?","date":"January 21, 2019","format":false,"excerpt":"\r Most lenders appear to take these into account when deciding how much to lendQ I have a question based on the article you wrote in 2015. I am a deputy head teacher. My partner and I are having strong arguments over me stopping my pension, which I want to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":131763,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/santander-cut-mortgage-offer-because-i-was-pregnant\/","url_meta":{"origin":4405,"position":5},"title":"Santander cut mortgage offer because I was pregnant","date":"November 23, 2022","format":false,"excerpt":"\r Its terms and conditions state it does not discriminateI am eight months pregnant and have had a joint mortgage application rejected after being asked by a Santander customer services agent if I was expecting a child. We currently have a mortgage with Santander and were hoping to port it\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/4405"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=4405"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/4405\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=4405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=4405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=4405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}