I have a question about getting a mortgage as a relief teacher or tutor. Basically when we arrive, we will be renting to start with but don't want to be stuck renting forever so after a few years we would like to look into purchasing our own home. my OH will be working as a mechanic full time and I hope to get tutoring work initially but once the kids are of school age I would like to go back to primary teaching. From what I can tell, a permanent teaching job will be pretty much impossible to get, so my job will be relief work, and therefore my salary wouldn't be guaranteed. Does this mean that I wouldn't be considered to be an applicant for a mortgage? If so I doubt we'd be able to get a mortgage ( unless I rethink my career!) as hubby's salary of 50-60 k prob won't be enough??! Deposit would be about 50k.
thanks to anyone who can advise on mortgages for people who don't have permanent contracts or guaranteed salaries