Home Mortgage

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hiralrd
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Home Mortgage

Post by hiralrd » Fri Jan 19, 2018 3:23 pm

Hi,

My spouse is stamp 4 and I am on stamp 1.
While applying for bank mortgage would they consider my income ?
AIB told us that only income of stamp 4 holder will be considered ?
If they consider both of our income, we would be able to get good mortgage.

Has any1 been in same situation ?

zeno
Seasoned Member
Posts: 1946
Joined: Sat Aug 11, 2007 7:54 pm

Re: Home Mortgage

Post by zeno » Fri Jan 19, 2018 5:24 pm

hiralrd wrote:
Fri Jan 19, 2018 3:23 pm
Hi,

My spouse is stamp 4 and I am on stamp 1.
While applying for bank mortgage would they consider my income ?
AIB told us that only income of stamp 4 holder will be considered ?
If they consider both of our income, we would be able to get good mortgage.

Has any1 been in same situation ?
Try other banks. Also try through Mortgage Brokers - they get commission so may try harder for you.
You may trying putting higher deposit or showing your husband's job is stable. Different tricks work for different cases.
It is not easy - banks tend to not consider stamp-1 as you are still tied up with your employer.

umaso
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Re: Home Mortgage

Post by umaso » Sun Jan 21, 2018 11:28 am

Chances are less to be considered for stamp 1. However if both of you have got account in same bank, they might consider sometime.

hiralrd
Posts: 11
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Re: Home Mortgage

Post by hiralrd » Mon Jan 22, 2018 12:20 pm

Hi Zeno and Umaso,
Thank you for the reply.


Can you guys help me with the list of documents banks ask for ?

@Umaso - I and my husband both have account in same bank

Thansk and regards

zeno
Seasoned Member
Posts: 1946
Joined: Sat Aug 11, 2007 7:54 pm

Re: Home Mortgage

Post by zeno » Mon Jan 22, 2018 8:26 pm

hiralrd wrote:
Mon Jan 22, 2018 12:20 pm
Hi Zeno and Umaso,
Thank you for the reply.


Can you guys help me with the list of documents banks ask for ?

@Umaso - I and my husband both have account in same bank

Thansk and regards
Every bank has different requirements. Check their websites, contact them and they will contact you for documents. No one can define documents as every case is different.

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