Maternity Leave Mortgages
Getting a Mortgage on Maternity Leave
Expecting a baby or already on maternity leave? You can often still buy, move or remortgage. Many lenders will use your full salary if you are returning to work. Here is what they look for.
★★★★★ Helping growing families across Scotland with their mortgage. Rated 5 stars by 235+ clients on Google.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Client Reviews
What Our Clients Say
"We remortgaged with Tony and as always it was a simple smooth process! He explains everything well and is very knowledgeable, honestly wouldn't go anywhere else for mortgage advice! Thanks again ☺️"
Remortgage Customer
"We got recommended Tony from a friend and from start to finish he has made myself and my husband feel at ease with the whole process. Nothing was too much for him or Katie and no question was too silly either. Would highly recommend them to anyone looking for any help."
Mortgage Customer
"I cannot recommend Tony and Katie highly enough. The service has been impeccable, making a potentially stressful and daunting process, seamless. Communication was effective and efficient, which is key in dealing with such a daunting process. You have a lifelong customer here."
Mortgage Customer
Why It Can Work
Lenders Look at Your Return to Work
Most lenders want to know when you are going back, what you will earn and how you will cover costs while you are off.
- ✓Return date: a letter from your employer confirming your return helps
- ✓Return income: full or part time pay on return is what most lenders use
- ✓While you are off: they check you can cover payments until you return
- ✓Childcare: lenders will factor in childcare costs once you are back
How We Help
How We Help New Parents
Five steps to keep things simple.
Get a Return to Work Letter
Confirming your date, hours and salary on return.
Plan Your Budget
Including childcare and your income while on leave.
Find the Right Lender
Some lenders are much more flexible with maternity leave.
Show Your Savings
Savings to top up reduced pay can help your case.
Review Your Cover
A growing family is a good time to check life insurance and income protection.
Common Situations
Where Parents Often Need Help
If one of these sounds like you, talk to us first.
Applying Before Leave
Applying before you go off can be simpler, but it is not essential.
Check My Options →Moving to a Bigger Home
Lenders will look at affordability with childcare costs included.
Ask a Question →Common Questions
Maternity Leave Mortgage Questions, Answered
The things parents ask us most.
Can I get a mortgage on maternity leave?
Often, yes. Many lenders will use your income on return if you have a confirmed return date.
Do I have to tell my lender I am pregnant?
Lenders ask about changes to your income. If you know your income will change, it is best to be upfront.
Will lenders use my full salary?
Many will, if you are returning on the same terms. If going part time, they use the part time income.
Can I remortgage on maternity leave?
Yes. Staying with your current lender can be simpler, but switching is often possible too.
Do lenders count childcare costs?
Yes, once you return to work, childcare is usually included in affordability.
What if I am not going back to work?
Lenders will assess on your income without it, so it depends on your other income.
Related guides
- What happens when your fixed rate ends
- How much can I borrow?
- Do I need life insurance with a mortgage?
- Income protection explained
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
Get in Touch
Growing Your Family?
Fill in the form and we will be in touch within one working day. We will work out what you can borrow on leave and on your return.