Maternity leave and cheeky Mortgage lenders

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Another day of maternity leave complete, and another few tasks done!

It’s been pretty warm today so I repotted a plant in the front garden (to replace the current dead plants- I am not green fingered) and strimmed the back jungle lawn. Took quite a long time and was very tiring so I had lots of breaks. Maltloaf and tea break was the best!

I’ve written a shopping list of things to buy for the not-quite-a-baby-shower tomorrow and cycled to the library to get some new books. I stopped at a supermarket on the way back to grab some cake making ingredients and spent part the afternoon listening to classic FM and making cupcakes.

I’m not much of a baker but these look pretty good. One set of chocolate and one set of orange and almond.

Husband got out of work early as they are moving to a new site over the weekend so he headed off into the sunshine on his mountain bike. Sadly the chain snapped when he’d almost finished the trails so he came home with a very sore knee. After a cuddle with the cat, he felt a bit better. We are now both hobbling about!

We are also (rockandroll) changing over to a new mortgage provider with the help of our brilliant Financial Advisor Jeff. Annoyingly the mortgage company wouldn’t accept the screen shot of online banking statement as proof of salary (which is weird as they also have our last 3 pay slips each) but did use it to deduce that I’m pregnant (three payments to Mothercare online) and wanted to know more.

The Citizens Advice Bureau say:

A mortgage lender doesn’t have to give you a mortgage. However, they must not refuse to lend you a mortgage, or treat you less favourably than other people, simply because you are pregnant.

If the mortgage lender has turned down your application because of your pregnancy, this is likely to be discrimination and could be unlawful. Get advice from an experienced adviser about what to do.

So we can but give them the information and hope that they abide by the law.

Having done some dull maths- when we first took out a mortgage at a very high rate, when we both earned less, we were paying 33% of our combined post-tax salaries into the mortgage. With the new rate (much lower) and taking into account JUST my husbands salary- we’ll be paying just 25% of his post-tax earnings towards the mortgage. So really they’d be idiots to turn us down!

Cheeky!

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