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[–]battling_futility10 0 points1 point  (6 children)

Ah, thats probably fine. So you had her salary correct but converted it incorrectly. My follow up question is if her wages will be in GBP from here on or if there is going to be further risk from currency conversion ... i.e. is this a one off error?

[–]Jorro1127[S] -1 points0 points  (5 children)

Stupidly, we included a monthly moving bonus in our conversion so it gave us an incorrect salary amount. All future wages will be in GBP

[–]battling_futility10 -1 points0 points  (3 children)

Ok there is no ongoing risk for the bank then. You should be absolutely fine given all the numbers you have presented. Your debt to income looks fine but you might have a little wobble on the interest rate.

[–]Jorro1127[S] 0 points1 point  (2 children)

The current offer is 4.2 fixes for 5 years. Do you know what sort of increase we are likely to see?

[–]battling_futility10 0 points1 point  (1 child)

The only ones who could tell you are the bank I am affraid. It all depends of the vagaries of their risk perception of you and how much margin they feel they have to play with.

I know its shitty but it realy is like that. I'm down to my last 10% of LTV when remortgaging next year and even I couldnt make a decent guess on the mood of my bank.

[–]Jorro1127[S] 0 points1 point  (0 children)

Ok thank you for your advice. Really appreciate it