It depends. If you are intending to go back to work and your employer confirms your return to work date and salary then this income can be used in the affordability accessment for a mortgage. If you do not intend to return to work then your previous salary before you went on maternity will not be taken into account for a mortgage. If you are on a zero hours contract then the lender will take an average over the last 12-months so your maternity pay may be factored into this average.

Answered by the MOXI Community: Jane King, Mortgage Advisor at Ash-Ridge Private Fianance

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