If you are currently on full furlough, we will not take your income into account as part of the affordability calculation.
If you are on part furlough and do not have a formal date for returning to full-time employment, we will only consider employed income (averaged over the last two to three months).
Part furlough with a return to work date
If you are on part furlough but you have a confirmed return to work date, then your full income can be considered.
We would need a letter from your employer confirming the following:
Date of return to work
Confirmation that you will not be put back onto the furlough scheme
We would also require a copy of the first payslip received upon returning to full income (this can be conditioned).
If you have found your income impacted by COVID-19, here is some further information on how to get mortgage ready.