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Declaring student loan for mortgage

I recenly got a mortgage offer in principle. They picked up all my loans and things straight out of my credit file and gave me a certificate for

112k. Now I want to go ahead with the application but they want to check my last 3 pay slips which show that I have a 150 p/m deduction for student loans which is taken with my tax and obviously doesnt appear on any credit file. If she spots this I am worried she is going to take it into account and deduct about 150 * 12 * 4.2 from my mortgage offer leaving me with 7k less than I want. She says if I can't find a payslip then I need to get a letter from work confirming my salary for that month. Is it best for me to get a letter covering the last 3 months and make sure that it just confirms my gross salary? I know what I can afford to borrow but I don't want her treating my student loan as a regular loan.
Reply to
Jacob Rosse
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Loans are supposed to be declared when you apply for a mortgage.

Rob Graham

Reply to
Robin Graham

Without a hint of irony, "Jacob Rosse" astounded uk.finance on 03 Mar 2004 by announcing:

What happens if they find out about it another way, claim you've broken the terms & conditions, and ask you for the money back?

Reply to
Alex

You attempt the mandelson defence? :)

Reply to
Doug Ramage

In practical terms there's not a lot they can do apart from raise the interest rate. If they felt that you had seriously defrauded them then they can always recourse to the courts, because mortgage fraud is a crime. But I can't seem them being this heavy in a case such as yours.

Rob

Reply to
Robin Graham

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